Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$383,256Cash toward the purchase price.
Closing costs + prepaids$20,119Not just lender fees.
Before credits & paid funds$403,375The complete starting cash picture.
Estimated remaining funds due at closing
$403,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,256.03
Your down payment$383,256.03
Closing costs + prepaids$20,118.81
Total buyer cash needed$403,374.84
Remaining funds due$403,374.84
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%)$9,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,908.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$832.75
Initial HOA (3 months)$462.00
Prepaid interest, first (1 days)$47.34
Fees + prepaids$20,118.81
Your down payment is the seller’s equity. You take over the $581,744 balance, so the rest of the $965,000 price is paid at closing. A second mortgage can cover part of it. $403,374.84 is due at closing. Uses and sources reconcile at $985,118.81 each. Not a Closing Disclosure.