Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$527,846Cash toward the purchase price.
Closing costs + prepaids$20,436Not just lender fees.
Before credits & paid funds$548,283The complete starting cash picture.
Estimated remaining funds due at closing
$548,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,846.36
Your down payment$527,846.36
Closing costs + prepaids$20,436.25
Total buyer cash needed$548,282.61
Remaining funds due$548,282.61
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,355.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,248.75
Prepaid interest, first (16 days)$623.73
Fees + prepaids$20,436.25
Your down payment is the seller’s equity. You take over the $471,154 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $548,282.61 is due at closing. Uses and sources reconcile at $1,019,436.25 each. Not a Closing Disclosure.