Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$521,246Cash toward the purchase price.
Closing costs + prepaids$19,792Not just lender fees.
Before credits & paid funds$541,038The complete starting cash picture.
Estimated remaining funds due at closing
$541,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,246.19
Your down payment$521,246.19
Closing costs + prepaids$19,791.66
Total buyer cash needed$541,037.84
Remaining funds due$541,037.84
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%)$9,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,018.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,156.25
Prepaid interest, first (16 days)$1,150.14
Fees + prepaids$19,791.66
Your down payment is the seller’s equity. You take over the $403,654 balance, so the rest of the $924,900 price is paid at closing. A second mortgage can cover part of it. $541,037.84 is due at closing. Uses and sources reconcile at $944,691.66 each. Not a Closing Disclosure.