Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$509,320Cash toward the purchase price.
Closing costs + prepaids$30,459Not just lender fees.
Before credits & paid funds$539,779The complete starting cash picture.
Estimated remaining funds due at closing
$539,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,319.78
Your down payment$509,319.78
Closing costs + prepaids$30,458.92
Total buyer cash needed$539,778.70
Remaining funds due$539,778.70
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%)$13,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,448.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$891.00
Prepaid interest, first (31 days)$4,911.52
Fees + prepaids$30,458.92
Your down payment is the seller’s equity. You take over the $889,680 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $539,778.70 is due at closing. Uses and sources reconcile at $1,429,458.92 each. Not a Closing Disclosure.