Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$585,674Cash toward the purchase price.
Closing costs + prepaids$16,978Not just lender fees.
Before credits & paid funds$602,652The complete starting cash picture.
Estimated remaining funds due at closing
$602,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$585,674.12
Your down payment$585,674.12
Closing costs + prepaids$16,977.67
Total buyer cash needed$602,651.80
Remaining funds due$602,651.80
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%)$8,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,321.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$863.50
Initial HOA (3 months)$50.01
Prepaid interest, first (1 days)$24.55
Fees + prepaids$16,977.67
Your down payment is the seller’s equity. You take over the $264,325 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $602,651.80 is due at closing. Uses and sources reconcile at $866,976.67 each. Not a Closing Disclosure.