Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$673,605Cash toward the purchase price.
Closing costs + prepaids$19,012Not just lender fees.
Before credits & paid funds$692,617The complete starting cash picture.
Estimated remaining funds due at closing
$692,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$673,605.34
Your down payment$673,605.34
Closing costs + prepaids$19,012.00
Total buyer cash needed$692,617.34
Remaining funds due$692,617.34
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%)$9,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,631.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.00
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$22.53
Fees + prepaids$19,012.00
Your down payment is the seller’s equity. You take over the $326,295 balance, so the rest of the $999,900 price is paid at closing. A second mortgage can cover part of it. $692,617.34 is due at closing. Uses and sources reconcile at $1,018,912.00 each. Not a Closing Disclosure.