Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$491,385Cash toward the purchase price.
Closing costs + prepaids$32,914Not just lender fees.
Before credits & paid funds$524,299The complete starting cash picture.
Estimated remaining funds due at closing
$524,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$491,384.75
Your down payment$491,384.75
Closing costs + prepaids$32,913.76
Total buyer cash needed$524,298.51
Remaining funds due$524,298.51
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%)$14,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,793.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,913.50
Initial HOA (3 months)$486.00
Prepaid interest, first (30 days)$5,003.18
Fees + prepaids$32,913.76
Your down payment is the seller’s equity. You take over the $958,615 balance, so the rest of the $1,450,000 price is paid at closing. A second mortgage can cover part of it. $524,298.51 is due at closing. Uses and sources reconcile at $1,482,913.76 each. Not a Closing Disclosure.