Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$547,726Cash toward the purchase price.
Closing costs + prepaids$25,377Not just lender fees.
Before credits & paid funds$573,103The complete starting cash picture.
Estimated remaining funds due at closing
$573,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$547,726.45
Your down payment$547,726.45
Closing costs + prepaids$25,376.56
Total buyer cash needed$573,103.01
Remaining funds due$573,103.01
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%)$11,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,861.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,800.00
Initial HOA (3 months)$990.00
Prepaid interest, first (29 days)$1,307.21
Fees + prepaids$25,376.56
Your down payment is the seller’s equity. You take over the $572,273 balance, so the rest of the $1,119,999 price is paid at closing. A second mortgage can cover part of it. $573,103.01 is due at closing. Uses and sources reconcile at $1,145,375.56 each. Not a Closing Disclosure.