Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$534,697Cash toward the purchase price.
Closing costs + prepaids$23,358Not just lender fees.
Before credits & paid funds$558,055The complete starting cash picture.
Estimated remaining funds due at closing
$558,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$534,696.74
Your down payment$534,696.74
Closing costs + prepaids$23,358.41
Total buyer cash needed$558,055.16
Remaining funds due$558,055.16
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,576.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,625.00
Prepaid interest, first (28 days)$1,438.90
Fees + prepaids$23,358.41
Your down payment is the seller’s equity. You take over the $515,303 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $558,055.16 is due at closing. Uses and sources reconcile at $1,073,358.41 each. Not a Closing Disclosure.