Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$429,636Cash toward the purchase price.
Closing costs + prepaids$13,508Not just lender fees.
Before credits & paid funds$443,144The complete starting cash picture.
Estimated remaining funds due at closing
$443,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,636.13
Your down payment$429,636.13
Closing costs + prepaids$13,507.96
Total buyer cash needed$443,144.09
Remaining funds due$443,144.09
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,126.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$324.00
Prepaid interest, first (1 days)$39.15
Fees + prepaids$13,507.96
Your down payment is the seller’s equity. You take over the $225,364 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $443,144.09 is due at closing. Uses and sources reconcile at $668,507.96 each. Not a Closing Disclosure.