Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$517,708Cash toward the purchase price.
Closing costs + prepaids$23,089Not just lender fees.
Before credits & paid funds$540,797The complete starting cash picture.
Estimated remaining funds due at closing
$540,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$517,708.23
Your down payment$517,708.23
Closing costs + prepaids$23,088.65
Total buyer cash needed$540,796.89
Remaining funds due$540,796.89
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,411.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,720.25
Initial HOA (3 months)$522.00
Prepaid interest, first (30 days)$1,216.96
Fees + prepaids$23,088.65
Your down payment is the seller’s equity. You take over the $482,291 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $540,796.89 is due at closing. Uses and sources reconcile at $1,023,087.65 each. Not a Closing Disclosure.