Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$411,585Cash toward the purchase price.
Closing costs + prepaids$13,842Not just lender fees.
Before credits & paid funds$425,427The complete starting cash picture.
Estimated remaining funds due at closing
$425,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,585.15
Your down payment$411,585.15
Closing costs + prepaids$13,842.02
Total buyer cash needed$425,427.17
Remaining funds due$425,427.17
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,117.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$793.00
Initial HOA (3 months)$96.99
Prepaid interest, first (1 days)$16.96
Fees + prepaids$13,842.02
Your down payment is the seller’s equity. You take over the $223,415 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $425,427.17 is due at closing. Uses and sources reconcile at $648,842.02 each. Not a Closing Disclosure.