Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$713,164Cash toward the purchase price.
Closing costs + prepaids$19,398Not just lender fees.
Before credits & paid funds$732,562The complete starting cash picture.
Estimated remaining funds due at closing
$732,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$713,163.90
Your down payment$713,163.90
Closing costs + prepaids$19,397.85
Total buyer cash needed$732,561.75
Remaining funds due$732,561.75
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,434.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,485.25
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$20.43
Fees + prepaids$19,397.85
Your down payment is the seller’s equity. You take over the $286,835 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $732,561.75 is due at closing. Uses and sources reconcile at $1,019,396.85 each. Not a Closing Disclosure.