Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$527,821Cash toward the purchase price.
Closing costs + prepaids$13,573Not just lender fees.
Before credits & paid funds$541,394The complete starting cash picture.
Estimated remaining funds due at closing
$541,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,821.40
Your down payment$527,821.40
Closing costs + prepaids$13,573.03
Total buyer cash needed$541,394.43
Remaining funds due$541,394.43
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$610.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$973.75
Initial HOA (3 months)$12.99
Prepaid interest, first (1 days)$8.90
Fees + prepaids$13,573.03
Your down payment is the seller’s equity. You take over the $122,079 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $541,394.43 is due at closing. Uses and sources reconcile at $663,473.03 each. Not a Closing Disclosure.