Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$507,406Cash toward the purchase price.
Closing costs + prepaids$31,507Not just lender fees.
Before credits & paid funds$538,913The complete starting cash picture.
Estimated remaining funds due at closing
$538,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$507,405.87
Your down payment$507,405.87
Closing costs + prepaids$31,507.23
Total buyer cash needed$538,913.10
Remaining funds due$538,913.10
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%)$15,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,437.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$415.00
Prepaid interest, first (18 days)$3,486.26
Fees + prepaids$31,507.23
Your down payment is the seller’s equity. You take over the $1,087,594 balance, so the rest of the $1,595,000 price is paid at closing. A second mortgage can cover part of it. $538,913.10 is due at closing. Uses and sources reconcile at $1,626,507.23 each. Not a Closing Disclosure.