Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$567,332Cash toward the purchase price.
Closing costs + prepaids$19,104Not just lender fees.
Before credits & paid funds$586,436The complete starting cash picture.
Estimated remaining funds due at closing
$586,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$567,331.63
Your down payment$567,331.63
Closing costs + prepaids$19,104.30
Total buyer cash needed$586,435.93
Remaining funds due$586,435.93
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$706.50
Prepaid interest, first (1 days)$31.46
Fees + prepaids$19,104.30
Your down payment is the seller’s equity. You take over the $431,668 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $586,435.93 is due at closing. Uses and sources reconcile at $1,018,104.30 each. Not a Closing Disclosure.