Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$596,402Cash toward the purchase price.
Closing costs + prepaids$19,392Not just lender fees.
Before credits & paid funds$615,794The complete starting cash picture.
Estimated remaining funds due at closing
$615,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$596,402.21
Your down payment$596,402.21
Closing costs + prepaids$19,392.03
Total buyer cash needed$615,794.24
Remaining funds due$615,794.24
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,012.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,097.25
Initial HOA (3 months)$41.25
Prepaid interest, first (1 days)$32.54
Fees + prepaids$19,392.03
Your down payment is the seller’s equity. You take over the $402,598 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $615,794.24 is due at closing. Uses and sources reconcile at $1,018,392.03 each. Not a Closing Disclosure.