Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$507,723Cash toward the purchase price.
Closing costs + prepaids$18,792Not just lender fees.
Before credits & paid funds$526,515The complete starting cash picture.
Estimated remaining funds due at closing
$526,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$507,722.92
Your down payment$507,722.92
Closing costs + prepaids$18,791.73
Total buyer cash needed$526,514.65
Remaining funds due$526,514.65
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%)$9,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,201.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$857.00
Prepaid interest, first (1 days)$35.34
Fees + prepaids$18,791.73
Your down payment is the seller’s equity. You take over the $440,277 balance, so the rest of the $948,000 price is paid at closing. A second mortgage can cover part of it. $526,514.65 is due at closing. Uses and sources reconcile at $966,791.73 each. Not a Closing Disclosure.