Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$583,055Cash toward the purchase price.
Closing costs + prepaids$17,315Not just lender fees.
Before credits & paid funds$600,370The complete starting cash picture.
Estimated remaining funds due at closing
$600,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,054.90
Your down payment$583,054.90
Closing costs + prepaids$17,315.09
Total buyer cash needed$600,369.99
Remaining funds due$600,369.99
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,334.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,184.50
Initial HOA (3 months)$54.75
Prepaid interest, first (1 days)$23.11
Fees + prepaids$17,315.09
Your down payment is the seller’s equity. You take over the $266,945 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $600,369.99 is due at closing. Uses and sources reconcile at $867,315.09 each. Not a Closing Disclosure.