Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$517,637Cash toward the purchase price.
Closing costs + prepaids$20,846Not just lender fees.
Before credits & paid funds$538,483The complete starting cash picture.
Estimated remaining funds due at closing
$538,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$517,637.24
Your down payment$517,637.24
Closing costs + prepaids$20,845.56
Total buyer cash needed$538,482.80
Remaining funds due$538,482.80
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%)$9,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,086.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,337.50
Prepaid interest, first (26 days)$853.25
Fees + prepaids$20,845.56
Your down payment is the seller’s equity. You take over the $417,363 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $538,482.80 is due at closing. Uses and sources reconcile at $955,845.56 each. Not a Closing Disclosure.