Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$512,888Cash toward the purchase price.
Closing costs + prepaids$18,559Not just lender fees.
Before credits & paid funds$531,447The complete starting cash picture.
Estimated remaining funds due at closing
$531,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$512,888.00
Your down payment$512,888.00
Closing costs + prepaids$18,559.31
Total buyer cash needed$531,447.30
Remaining funds due$531,447.30
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,910.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$944.75
Initial HOA (3 months)$507.00
Prepaid interest, first (1 days)$29.00
Fees + prepaids$18,559.31
Your down payment is the seller’s equity. You take over the $382,112 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $531,447.30 is due at closing. Uses and sources reconcile at $913,559.31 each. Not a Closing Disclosure.