Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$516,277Cash toward the purchase price.
Closing costs + prepaids$41,369Not just lender fees.
Before credits & paid funds$557,645The complete starting cash picture.
Estimated remaining funds due at closing
$557,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$516,276.61
Your down payment$516,276.61
Closing costs + prepaids$41,368.76
Total buyer cash needed$557,645.37
Remaining funds due$557,645.37
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%)$21,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,393.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,634.00
Prepaid interest, first (9 days)$2,173.14
Fees + prepaids$41,368.76
Your down payment is the seller’s equity. You take over the $1,678,723 balance, so the rest of the $2,195,000 price is paid at closing. A second mortgage can cover part of it. $557,645.37 is due at closing. Uses and sources reconcile at $2,236,368.76 each. Not a Closing Disclosure.