Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$615,916Cash toward the purchase price.
Closing costs + prepaids$17,828Not just lender fees.
Before credits & paid funds$633,744The complete starting cash picture.
Estimated remaining funds due at closing
$633,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$615,915.69
Your down payment$615,915.69
Closing costs + prepaids$17,828.41
Total buyer cash needed$633,744.10
Remaining funds due$633,744.10
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%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,420.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,163.00
Prepaid interest, first (1 days)$27.01
Fees + prepaids$17,828.41
Your down payment is the seller’s equity. You take over the $284,083 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $633,744.10 is due at closing. Uses and sources reconcile at $917,827.41 each. Not a Closing Disclosure.