Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$526,465Cash toward the purchase price.
Closing costs + prepaids$19,822Not just lender fees.
Before credits & paid funds$546,287The complete starting cash picture.
Estimated remaining funds due at closing
$546,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$526,464.87
Your down payment$526,464.87
Closing costs + prepaids$19,822.10
Total buyer cash needed$546,286.98
Remaining funds due$546,286.98
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%)$9,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,162.50
Prepaid interest, first (17 days)$1,123.93
Fees + prepaids$19,822.10
Your down payment is the seller’s equity. You take over the $403,535 balance, so the rest of the $930,000 price is paid at closing. A second mortgage can cover part of it. $546,286.98 is due at closing. Uses and sources reconcile at $949,822.10 each. Not a Closing Disclosure.