Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$424,788Cash toward the purchase price.
Closing costs + prepaids$14,521Not just lender fees.
Before credits & paid funds$439,309The complete starting cash picture.
Estimated remaining funds due at closing
$439,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,787.61
Your down payment$424,787.61
Closing costs + prepaids$14,521.19
Total buyer cash needed$439,308.80
Remaining funds due$439,308.80
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,226.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$769.25
Initial HOA (3 months)$339.00
Prepaid interest, first (1 days)$18.88
Fees + prepaids$14,521.19
Your down payment is the seller’s equity. You take over the $245,212 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $439,308.80 is due at closing. Uses and sources reconcile at $684,521.19 each. Not a Closing Disclosure.