Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$652,356Cash toward the purchase price.
Closing costs + prepaids$18,173Not just lender fees.
Before credits & paid funds$670,528The complete starting cash picture.
Estimated remaining funds due at closing
$670,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$652,355.80
Your down payment$652,355.80
Closing costs + prepaids$18,172.59
Total buyer cash needed$670,528.39
Remaining funds due$670,528.39
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,613.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$566.00
Prepaid interest, first (1 days)$25.37
Fees + prepaids$18,172.59
Your down payment is the seller’s equity. You take over the $322,644 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $670,528.39 is due at closing. Uses and sources reconcile at $993,172.59 each. Not a Closing Disclosure.