Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$537,519Cash toward the purchase price.
Closing costs + prepaids$39,270Not just lender fees.
Before credits & paid funds$576,789The complete starting cash picture.
Estimated remaining funds due at closing
$576,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$537,518.70
Your down payment$537,518.70
Closing costs + prepaids$39,270.12
Total buyer cash needed$576,788.82
Remaining funds due$576,788.82
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%)$17,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,302.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,495.00
Initial HOA (3 months)$639.00
Prepaid interest, first (28 days)$3,635.71
Fees + prepaids$39,270.12
Your down payment is the seller’s equity. You take over the $1,260,481 balance, so the rest of the $1,798,000 price is paid at closing. A second mortgage can cover part of it. $576,788.82 is due at closing. Uses and sources reconcile at $1,837,270.12 each. Not a Closing Disclosure.