Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$524,602Cash toward the purchase price.
Closing costs + prepaids$21,903Not just lender fees.
Before credits & paid funds$546,506The complete starting cash picture.
Estimated remaining funds due at closing
$546,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,602.21
Your down payment$524,602.21
Closing costs + prepaids$21,903.37
Total buyer cash needed$546,505.59
Remaining funds due$546,505.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$9,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,126.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,991.50
Prepaid interest, first (2 days)$66.90
Fees + prepaids$21,903.37
Your down payment is the seller’s equity. You take over the $425,397 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $546,505.59 is due at closing. Uses and sources reconcile at $971,902.37 each. Not a Closing Disclosure.