Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$518,377Cash toward the purchase price.
Closing costs + prepaids$34,298Not just lender fees.
Before credits & paid funds$552,675The complete starting cash picture.
Estimated remaining funds due at closing
$552,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,376.58
Your down payment$518,376.58
Closing costs + prepaids$34,298.00
Total buyer cash needed$552,674.58
Remaining funds due$552,674.58
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%)$19,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,028.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$951.25
Initial HOA (3 months)$360.00
Prepaid interest, first (2 days)$500.63
Fees + prepaids$34,298.00
Your down payment is the seller’s equity. You take over the $1,405,623 balance, so the rest of the $1,924,000 price is paid at closing. A second mortgage can cover part of it. $552,674.58 is due at closing. Uses and sources reconcile at $1,958,298.00 each. Not a Closing Disclosure.