Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$583,014Cash toward the purchase price.
Closing costs + prepaids$18,704Not just lender fees.
Before credits & paid funds$601,718The complete starting cash picture.
Estimated remaining funds due at closing
$601,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,013.58
Your down payment$583,013.58
Closing costs + prepaids$18,704.21
Total buyer cash needed$601,717.80
Remaining funds due$601,717.80
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%)$8,999.89
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,584.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,407.00
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$56.45
Fees + prepaids$18,704.21
Your down payment is the seller’s equity. You take over the $316,975 balance, so the rest of the $899,989 price is paid at closing. A second mortgage can cover part of it. $601,717.80 is due at closing. Uses and sources reconcile at $918,693.21 each. Not a Closing Disclosure.