Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$462,403Cash toward the purchase price.
Closing costs + prepaids$46,986Not just lender fees.
Before credits & paid funds$509,388The complete starting cash picture.
Estimated remaining funds due at closing
$509,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,402.75
Your down payment$462,402.75
Closing costs + prepaids$46,985.64
Total buyer cash needed$509,388.40
Remaining funds due$509,388.40
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%)$19,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,687.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,000.00
Prepaid interest, first (28 days)$8,079.73
Fees + prepaids$46,985.64
Your down payment is the seller’s equity. You take over the $1,537,592 balance, so the rest of the $1,999,995 price is paid at closing. A second mortgage can cover part of it. $509,388.40 is due at closing. Uses and sources reconcile at $2,046,980.64 each. Not a Closing Disclosure.