Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$537,696Cash toward the purchase price.
Closing costs + prepaids$40,308Not just lender fees.
Before credits & paid funds$578,004The complete starting cash picture.
Estimated remaining funds due at closing
$578,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$537,695.98
Your down payment$537,695.98
Closing costs + prepaids$40,308.32
Total buyer cash needed$578,004.30
Remaining funds due$578,004.30
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%)$18,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,611.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,650.00
Initial HOA (3 months)$885.00
Prepaid interest, first (26 days)$3,343.80
Fees + prepaids$40,308.32
Your down payment is the seller’s equity. You take over the $1,322,304 balance, so the rest of the $1,860,000 price is paid at closing. A second mortgage can cover part of it. $578,004.30 is due at closing. Uses and sources reconcile at $1,900,308.32 each. Not a Closing Disclosure.