Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$511,149Cash toward the purchase price.
Closing costs + prepaids$19,639Not just lender fees.
Before credits & paid funds$530,789The complete starting cash picture.
Estimated remaining funds due at closing
$530,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$511,149.41
Your down payment$511,149.41
Closing costs + prepaids$19,639.14
Total buyer cash needed$530,788.55
Remaining funds due$530,788.55
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,194.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$850.75
Prepaid interest, first (21 days)$876.14
Fees + prepaids$19,639.14
Your down payment is the seller’s equity. You take over the $438,851 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $530,788.55 is due at closing. Uses and sources reconcile at $969,639.14 each. Not a Closing Disclosure.