Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$634,154Cash toward the purchase price.
Closing costs + prepaids$16,033Not just lender fees.
Before credits & paid funds$650,187The complete starting cash picture.
Estimated remaining funds due at closing
$650,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$634,154.08
Your down payment$634,154.08
Closing costs + prepaids$16,032.87
Total buyer cash needed$650,186.95
Remaining funds due$650,186.95
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$904.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$743.25
Prepaid interest, first (1 days)$17.39
Fees + prepaids$16,032.87
Your down payment is the seller’s equity. You take over the $180,846 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $650,186.95 is due at closing. Uses and sources reconcile at $831,032.87 each. Not a Closing Disclosure.