Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$519,694Cash toward the purchase price.
Closing costs + prepaids$11,377Not just lender fees.
Before credits & paid funds$531,071The complete starting cash picture.
Estimated remaining funds due at closing
$531,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$519,693.63
Your down payment$519,693.63
Closing costs + prepaids$11,377.02
Total buyer cash needed$531,070.65
Remaining funds due$531,070.65
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%)$5,346.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$74.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$410.75
Prepaid interest, first (28 days)$76.99
Fees + prepaids$11,377.02
Your down payment is the seller’s equity. You take over the $14,956 balance, so the rest of the $534,650 price is paid at closing. A second mortgage can cover part of it. $531,070.65 is due at closing. Uses and sources reconcile at $546,027.02 each. Not a Closing Disclosure.