Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$509,442Cash toward the purchase price.
Closing costs + prepaids$20,526Not just lender fees.
Before credits & paid funds$529,968The complete starting cash picture.
Estimated remaining funds due at closing
$529,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,441.72
Your down payment$509,441.72
Closing costs + prepaids$20,526.32
Total buyer cash needed$529,968.04
Remaining funds due$529,968.04
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%)$9,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,202.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$992.75
Initial HOA (3 months)$597.00
Prepaid interest, first (30 days)$1,017.28
Fees + prepaids$20,526.32
Your down payment is the seller’s equity. You take over the $440,458 balance, so the rest of the $949,900 price is paid at closing. A second mortgage can cover part of it. $529,968.04 is due at closing. Uses and sources reconcile at $970,426.32 each. Not a Closing Disclosure.