Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$502,291Cash toward the purchase price.
Closing costs + prepaids$35,489Not just lender fees.
Before credits & paid funds$537,781The complete starting cash picture.
Estimated remaining funds due at closing
$537,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,291.24
Your down payment$502,291.24
Closing costs + prepaids$35,489.41
Total buyer cash needed$537,780.65
Remaining funds due$537,780.65
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%)$16,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,983.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,123.75
Initial HOA (3 months)$843.00
Prepaid interest, first (16 days)$3,331.11
Fees + prepaids$35,489.41
Your down payment is the seller’s equity. You take over the $1,196,709 balance, so the rest of the $1,699,000 price is paid at closing. A second mortgage can cover part of it. $537,780.65 is due at closing. Uses and sources reconcile at $1,734,489.41 each. Not a Closing Disclosure.