Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$472,639Cash toward the purchase price.
Closing costs + prepaids$23,555Not just lender fees.
Before credits & paid funds$496,194The complete starting cash picture.
Estimated remaining funds due at closing
$496,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,638.89
Your down payment$472,638.89
Closing costs + prepaids$23,554.85
Total buyer cash needed$496,193.74
Remaining funds due$496,193.74
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,131.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,528.50
Prepaid interest, first (26 days)$1,686.54
Fees + prepaids$23,554.85
Your down payment is the seller’s equity. You take over the $626,361 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $496,193.74 is due at closing. Uses and sources reconcile at $1,122,554.85 each. Not a Closing Disclosure.