Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$523,328Cash toward the purchase price.
Closing costs + prepaids$22,953Not just lender fees.
Before credits & paid funds$546,281The complete starting cash picture.
Estimated remaining funds due at closing
$546,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$523,328.30
Your down payment$523,328.30
Closing costs + prepaids$22,952.75
Total buyer cash needed$546,281.05
Remaining funds due$546,281.05
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%)$10,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,508.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,562.50
Prepaid interest, first (27 days)$1,413.89
Fees + prepaids$22,952.75
Your down payment is the seller’s equity. You take over the $501,672 balance, so the rest of the $1,025,000 price is paid at closing. A second mortgage can cover part of it. $546,281.05 is due at closing. Uses and sources reconcile at $1,047,952.75 each. Not a Closing Disclosure.