Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$527,893Cash toward the purchase price.
Closing costs + prepaids$22,029Not just lender fees.
Before credits & paid funds$549,922The complete starting cash picture.
Estimated remaining funds due at closing
$549,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,893.40
Your down payment$527,893.40
Closing costs + prepaids$22,028.61
Total buyer cash needed$549,922.01
Remaining funds due$549,922.01
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,235.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,437.50
Initial HOA (3 months)$297.00
Prepaid interest, first (29 days)$1,090.57
Fees + prepaids$22,028.61
Your down payment is the seller’s equity. You take over the $447,107 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $549,922.01 is due at closing. Uses and sources reconcile at $997,028.61 each. Not a Closing Disclosure.