Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$479,425Cash toward the purchase price.
Closing costs + prepaids$38,114Not just lender fees.
Before credits & paid funds$517,539The complete starting cash picture.
Estimated remaining funds due at closing
$517,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$479,424.89
Your down payment$479,424.89
Closing costs + prepaids$38,113.73
Total buyer cash needed$517,538.62
Remaining funds due$517,538.62
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%)$16,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,977.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,001.00
Prepaid interest, first (22 days)$5,166.85
Fees + prepaids$38,113.73
Your down payment is the seller’s equity. You take over the $1,195,575 balance, so the rest of the $1,675,000 price is paid at closing. A second mortgage can cover part of it. $517,538.62 is due at closing. Uses and sources reconcile at $1,713,113.73 each. Not a Closing Disclosure.