Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$526,180Cash toward the purchase price.
Closing costs + prepaids$39,705Not just lender fees.
Before credits & paid funds$565,886The complete starting cash picture.
Estimated remaining funds due at closing
$565,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$526,180.36
Your down payment$526,180.36
Closing costs + prepaids$39,705.49
Total buyer cash needed$565,885.85
Remaining funds due$565,885.85
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%)$16,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,819.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,660.25
Initial HOA (3 months)$2,250.00
Prepaid interest, first (22 days)$3,858.14
Fees + prepaids$39,705.49
Your down payment is the seller’s equity. You take over the $1,163,820 balance, so the rest of the $1,690,000 price is paid at closing. A second mortgage can cover part of it. $565,885.85 is due at closing. Uses and sources reconcile at $1,729,705.49 each. Not a Closing Disclosure.