Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$492,864Cash toward the purchase price.
Closing costs + prepaids$47,365Not just lender fees.
Before credits & paid funds$540,229The complete starting cash picture.
Estimated remaining funds due at closing
$540,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,864.08
Your down payment$492,864.08
Closing costs + prepaids$47,365.12
Total buyer cash needed$540,229.20
Remaining funds due$540,229.20
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%)$22,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,660.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,562.50
Initial HOA (3 months)$9.99
Prepaid interest, first (28 days)$4,663.95
Fees + prepaids$47,365.12
Your down payment is the seller’s equity. You take over the $1,732,136 balance, so the rest of the $2,225,000 price is paid at closing. A second mortgage can cover part of it. $540,229.20 is due at closing. Uses and sources reconcile at $2,272,365.12 each. Not a Closing Disclosure.