Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$543,487Cash toward the purchase price.
Closing costs + prepaids$28,029Not just lender fees.
Before credits & paid funds$571,516The complete starting cash picture.
Estimated remaining funds due at closing
$571,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$543,487.44
Your down payment$543,487.44
Closing costs + prepaids$28,028.53
Total buyer cash needed$571,515.97
Remaining funds due$571,515.97
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%)$13,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,782.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,932.25
Initial HOA (3 months)$450.00
Prepaid interest, first (23 days)$2,645.72
Fees + prepaids$28,028.53
Your down payment is the seller’s equity. You take over the $756,513 balance, so the rest of the $1,300,000 price is paid at closing. A second mortgage can cover part of it. $571,515.97 is due at closing. Uses and sources reconcile at $1,328,028.53 each. Not a Closing Disclosure.