Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$498,673Cash toward the purchase price.
Closing costs + prepaids$19,601Not just lender fees.
Before credits & paid funds$518,274The complete starting cash picture.
Estimated remaining funds due at closing
$518,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,672.88
Your down payment$498,672.88
Closing costs + prepaids$19,601.24
Total buyer cash needed$518,274.12
Remaining funds due$518,274.12
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,256.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$605.00
Prepaid interest, first (27 days)$1,021.61
Fees + prepaids$19,601.24
Your down payment is the seller’s equity. You take over the $451,327 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $518,274.12 is due at closing. Uses and sources reconcile at $969,601.24 each. Not a Closing Disclosure.