Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$474,848Cash toward the purchase price.
Closing costs + prepaids$23,471Not just lender fees.
Before credits & paid funds$498,319The complete starting cash picture.
Estimated remaining funds due at closing
$498,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$474,847.54
Your down payment$474,847.54
Closing costs + prepaids$23,471.17
Total buyer cash needed$498,318.71
Remaining funds due$498,318.71
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%)$3,120.76
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)$1,613.90
Fees + prepaids$23,471.17
Your down payment is the seller’s equity. You take over the $624,152 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $498,318.71 is due at closing. Uses and sources reconcile at $1,122,471.17 each. Not a Closing Disclosure.