Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$496,899Cash toward the purchase price.
Closing costs + prepaids$21,649Not just lender fees.
Before credits & paid funds$518,548The complete starting cash picture.
Estimated remaining funds due at closing
$518,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$496,899.08
Your down payment$496,899.08
Closing costs + prepaids$21,648.89
Total buyer cash needed$518,547.97
Remaining funds due$518,547.97
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,265.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,620.75
Initial HOA (3 months)$381.00
Prepaid interest, first (18 days)$663.64
Fees + prepaids$21,648.89
Your down payment is the seller’s equity. You take over the $453,101 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $518,547.97 is due at closing. Uses and sources reconcile at $971,648.89 each. Not a Closing Disclosure.