Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$527,831Cash toward the purchase price.
Closing costs + prepaids$25,137Not just lender fees.
Before credits & paid funds$552,968The complete starting cash picture.
Estimated remaining funds due at closing
$552,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,830.63
Your down payment$527,830.63
Closing costs + prepaids$25,136.94
Total buyer cash needed$552,967.57
Remaining funds due$552,967.57
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%)$11,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,035.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,837.50
Initial HOA (3 months)$438.00
Prepaid interest, first (27 days)$1,257.59
Fees + prepaids$25,136.94
Your down payment is the seller’s equity. You take over the $607,169 balance, so the rest of the $1,135,000 price is paid at closing. A second mortgage can cover part of it. $552,967.57 is due at closing. Uses and sources reconcile at $1,160,136.94 each. Not a Closing Disclosure.