Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$508,345Cash toward the purchase price.
Closing costs + prepaids$25,133Not just lender fees.
Before credits & paid funds$533,478The complete starting cash picture.
Estimated remaining funds due at closing
$533,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$508,344.64
Your down payment$508,344.64
Closing costs + prepaids$25,133.21
Total buyer cash needed$533,477.85
Remaining funds due$533,477.85
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%)$11,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,198.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,870.00
Prepaid interest, first (26 days)$1,366.93
Fees + prepaids$25,133.21
Your down payment is the seller’s equity. You take over the $639,655 balance, so the rest of the $1,148,000 price is paid at closing. A second mortgage can cover part of it. $533,477.85 is due at closing. Uses and sources reconcile at $1,173,133.21 each. Not a Closing Disclosure.