Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$482,726Cash toward the purchase price.
Closing costs + prepaids$35,856Not just lender fees.
Before credits & paid funds$518,582The complete starting cash picture.
Estimated remaining funds due at closing
$518,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,725.70
Your down payment$482,725.70
Closing costs + prepaids$35,856.42
Total buyer cash needed$518,582.12
Remaining funds due$518,582.12
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%)$14,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,031.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,871.50
Initial HOA (3 months)$438.00
Prepaid interest, first (30 days)$3,407.55
Fees + prepaids$35,856.42
Your down payment is the seller’s equity. You take over the $1,006,274 balance, so the rest of the $1,489,000 price is paid at closing. A second mortgage can cover part of it. $518,582.12 is due at closing. Uses and sources reconcile at $1,524,856.42 each. Not a Closing Disclosure.