Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$641,471Cash toward the purchase price.
Closing costs + prepaids$22,875Not just lender fees.
Before credits & paid funds$664,345The complete starting cash picture.
Estimated remaining funds due at closing
$664,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$641,470.82
Your down payment$641,470.82
Closing costs + prepaids$22,874.64
Total buyer cash needed$664,345.46
Remaining funds due$664,345.46
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%)$12,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,917.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$972.75
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$45.24
Fees + prepaids$22,874.64
Your down payment is the seller’s equity. You take over the $583,529 balance, so the rest of the $1,225,000 price is paid at closing. A second mortgage can cover part of it. $664,345.46 is due at closing. Uses and sources reconcile at $1,247,874.64 each. Not a Closing Disclosure.