Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$541,636Cash toward the purchase price.
Closing costs + prepaids$21,064Not just lender fees.
Before credits & paid funds$562,701The complete starting cash picture.
Estimated remaining funds due at closing
$562,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$541,636.47
Your down payment$541,636.47
Closing costs + prepaids$21,064.39
Total buyer cash needed$562,700.86
Remaining funds due$562,700.86
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%)$9,498.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,040.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,374.50
Prepaid interest, first (28 days)$933.07
Fees + prepaids$21,064.39
Your down payment is the seller’s equity. You take over the $408,164 balance, so the rest of the $949,800 price is paid at closing. A second mortgage can cover part of it. $562,700.86 is due at closing. Uses and sources reconcile at $970,864.39 each. Not a Closing Disclosure.