Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$425,162Cash toward the purchase price.
Closing costs + prepaids$13,414Not just lender fees.
Before credits & paid funds$438,576The complete starting cash picture.
Estimated remaining funds due at closing
$438,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,162.43
Your down payment$425,162.43
Closing costs + prepaids$13,413.99
Total buyer cash needed$438,576.42
Remaining funds due$438,576.42
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$869.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$24.05
Fees + prepaids$13,413.99
Your down payment is the seller’s equity. You take over the $173,838 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $438,576.42 is due at closing. Uses and sources reconcile at $612,413.99 each. Not a Closing Disclosure.