Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$548,471Cash toward the purchase price.
Closing costs + prepaids$20,591Not just lender fees.
Before credits & paid funds$569,062The complete starting cash picture.
Estimated remaining funds due at closing
$569,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$548,471.34
Your down payment$548,471.34
Closing costs + prepaids$20,590.51
Total buyer cash needed$569,061.85
Remaining funds due$569,061.85
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%)$9,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,232.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$870.00
Initial HOA (3 months)$372.00
Prepaid interest, first (26 days)$947.86
Fees + prepaids$20,590.51
Your down payment is the seller’s equity. You take over the $446,529 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $569,061.85 is due at closing. Uses and sources reconcile at $1,015,590.51 each. Not a Closing Disclosure.