Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$400,986Cash toward the purchase price.
Closing costs + prepaids$13,892Not just lender fees.
Before credits & paid funds$414,878The complete starting cash picture.
Estimated remaining funds due at closing
$414,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,985.79
Your down payment$400,985.79
Closing costs + prepaids$13,891.87
Total buyer cash needed$414,877.66
Remaining funds due$414,877.66
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,244.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.75
Prepaid interest, first (1 days)$21.55
Fees + prepaids$13,891.87
Your down payment is the seller’s equity. You take over the $248,914 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $414,877.66 is due at closing. Uses and sources reconcile at $663,791.87 each. Not a Closing Disclosure.