Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$543,351Cash toward the purchase price.
Closing costs + prepaids$23,831Not just lender fees.
Before credits & paid funds$567,182The complete starting cash picture.
Estimated remaining funds due at closing
$567,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$543,351.13
Your down payment$543,351.13
Closing costs + prepaids$23,831.36
Total buyer cash needed$567,182.49
Remaining funds due$567,182.49
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,778.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,220.75
Initial HOA (3 months)$83.01
Prepaid interest, first (27 days)$1,541.35
Fees + prepaids$23,831.36
Your down payment is the seller’s equity. You take over the $555,649 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $567,182.49 is due at closing. Uses and sources reconcile at $1,122,831.36 each. Not a Closing Disclosure.