Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$521,569Cash toward the purchase price.
Closing costs + prepaids$23,413Not just lender fees.
Before credits & paid funds$544,982The complete starting cash picture.
Estimated remaining funds due at closing
$544,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,568.70
Your down payment$521,568.70
Closing costs + prepaids$23,413.27
Total buyer cash needed$544,981.97
Remaining funds due$544,981.97
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%)$9,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,292.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,450.00
Initial HOA (3 months)$1,680.00
Prepaid interest, first (26 days)$973.13
Fees + prepaids$23,413.27
Your down payment is the seller’s equity. You take over the $458,430 balance, so the rest of the $979,999 price is paid at closing. A second mortgage can cover part of it. $544,981.97 is due at closing. Uses and sources reconcile at $1,003,412.27 each. Not a Closing Disclosure.