Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$508,501Cash toward the purchase price.
Closing costs + prepaids$21,336Not just lender fees.
Before credits & paid funds$529,836The complete starting cash picture.
Estimated remaining funds due at closing
$529,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$508,500.51
Your down payment$508,500.51
Closing costs + prepaids$21,335.77
Total buyer cash needed$529,836.28
Remaining funds due$529,836.28
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%)$9,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,207.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,375.00
Prepaid interest, first (27 days)$1,035.28
Fees + prepaids$21,335.77
Your down payment is the seller’s equity. You take over the $441,498 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $529,836.28 is due at closing. Uses and sources reconcile at $971,334.77 each. Not a Closing Disclosure.