Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$508,729Cash toward the purchase price.
Closing costs + prepaids$19,457Not just lender fees.
Before credits & paid funds$528,186The complete starting cash picture.
Estimated remaining funds due at closing
$528,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$508,729.20
Your down payment$508,729.20
Closing costs + prepaids$19,456.59
Total buyer cash needed$528,185.79
Remaining funds due$528,185.79
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%)$9,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$857.00
Prepaid interest, first (20 days)$705.24
Fees + prepaids$19,456.59
Your down payment is the seller’s equity. You take over the $439,271 balance, so the rest of the $948,000 price is paid at closing. A second mortgage can cover part of it. $528,185.79 is due at closing. Uses and sources reconcile at $967,456.59 each. Not a Closing Disclosure.