Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$471,614Cash toward the purchase price.
Closing costs + prepaids$13,491Not just lender fees.
Before credits & paid funds$485,105The complete starting cash picture.
Estimated remaining funds due at closing
$485,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$471,614.16
Your down payment$471,614.16
Closing costs + prepaids$13,491.09
Total buyer cash needed$485,105.26
Remaining funds due$485,105.26
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$936.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$450.25
Initial HOA (3 months)$30.00
Prepaid interest, first (1 days)$15.91
Fees + prepaids$13,491.09
Your down payment is the seller’s equity. You take over the $187,386 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $485,105.26 is due at closing. Uses and sources reconcile at $672,491.09 each. Not a Closing Disclosure.