Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$422,758Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$434,516The complete starting cash picture.
Estimated remaining funds due at closing
$434,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$422,758.18
Your down payment$422,758.18
Closing costs + prepaids$11,758.16
Total buyer cash needed$434,516.34
Remaining funds due$434,516.34
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$581.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$98.25
Prepaid interest, first (22 days)$220.70
Fees + prepaids$11,758.16
Your down payment is the seller’s equity. You take over the $116,242 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $434,516.34 is due at closing. Uses and sources reconcile at $550,758.16 each. Not a Closing Disclosure.