Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$545,112Cash toward the purchase price.
Closing costs + prepaids$20,853Not just lender fees.
Before credits & paid funds$565,964The complete starting cash picture.
Estimated remaining funds due at closing
$565,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$545,111.85
Your down payment$545,111.85
Closing costs + prepaids$20,852.65
Total buyer cash needed$565,964.50
Remaining funds due$565,964.50
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%)$9,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,898.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,614.25
Initial HOA (3 months)$705.00
Prepaid interest, first (30 days)$1,167.46
Fees + prepaids$20,852.65
Your down payment is the seller’s equity. You take over the $379,788 balance, so the rest of the $924,900 price is paid at closing. A second mortgage can cover part of it. $565,964.50 is due at closing. Uses and sources reconcile at $945,752.65 each. Not a Closing Disclosure.