Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$509,539Cash toward the purchase price.
Closing costs + prepaids$17,176Not just lender fees.
Before credits & paid funds$526,715The complete starting cash picture.
Estimated remaining funds due at closing
$526,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,538.86
Your down payment$509,538.86
Closing costs + prepaids$17,176.19
Total buyer cash needed$526,715.04
Remaining funds due$526,715.04
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%)$7,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,397.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,062.50
Prepaid interest, first (29 days)$608.38
Fees + prepaids$17,176.19
Your down payment is the seller’s equity. You take over the $279,461 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $526,715.04 is due at closing. Uses and sources reconcile at $806,176.19 each. Not a Closing Disclosure.