Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$524,664Cash toward the purchase price.
Closing costs + prepaids$28,391Not just lender fees.
Before credits & paid funds$553,055The complete starting cash picture.
Estimated remaining funds due at closing
$553,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,663.66
Your down payment$524,663.66
Closing costs + prepaids$28,390.91
Total buyer cash needed$553,054.57
Remaining funds due$553,054.57
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%)$13,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,996.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$2,109.00
Prepaid interest, first (31 days)$2,179.23
Fees + prepaids$28,390.91
Your down payment is the seller’s equity. You take over the $799,336 balance, so the rest of the $1,324,000 price is paid at closing. A second mortgage can cover part of it. $553,054.57 is due at closing. Uses and sources reconcile at $1,352,390.91 each. Not a Closing Disclosure.