Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$490,312Cash toward the purchase price.
Closing costs + prepaids$42,335Not just lender fees.
Before credits & paid funds$532,647The complete starting cash picture.
Estimated remaining funds due at closing
$532,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$490,311.64
Your down payment$490,311.64
Closing costs + prepaids$42,335.12
Total buyer cash needed$532,646.77
Remaining funds due$532,646.77
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%)$18,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,998.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,725.00
Prepaid interest, first (26 days)$5,493.68
Fees + prepaids$42,335.12
Your down payment is the seller’s equity. You take over the $1,399,688 balance, so the rest of the $1,890,000 price is paid at closing. A second mortgage can cover part of it. $532,646.77 is due at closing. Uses and sources reconcile at $1,932,335.12 each. Not a Closing Disclosure.