Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$525,179Cash toward the purchase price.
Closing costs + prepaids$11,578Not just lender fees.
Before credits & paid funds$536,758The complete starting cash picture.
Estimated remaining funds due at closing
$536,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$525,179.06
Your down payment$525,179.06
Closing costs + prepaids$11,578.46
Total buyer cash needed$536,757.53
Remaining funds due$536,757.53
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%)$5,394.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$71.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$579.25
Prepaid interest, first (24 days)$66.11
Fees + prepaids$11,578.46
Your down payment is the seller’s equity. You take over the $14,221 balance, so the rest of the $539,400 price is paid at closing. A second mortgage can cover part of it. $536,757.53 is due at closing. Uses and sources reconcile at $550,978.46 each. Not a Closing Disclosure.