Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$559,203Cash toward the purchase price.
Closing costs + prepaids$22,275Not just lender fees.
Before credits & paid funds$581,478The complete starting cash picture.
Estimated remaining funds due at closing
$581,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$559,202.77
Your down payment$559,202.77
Closing costs + prepaids$22,275.37
Total buyer cash needed$581,478.14
Remaining funds due$581,478.14
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%)$9,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,953.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,374.75
Initial HOA (3 months)$282.00
Prepaid interest, first (28 days)$1,948.13
Fees + prepaids$22,275.37
Your down payment is the seller’s equity. You take over the $390,697 balance, so the rest of the $949,900 price is paid at closing. A second mortgage can cover part of it. $581,478.14 is due at closing. Uses and sources reconcile at $972,175.37 each. Not a Closing Disclosure.