Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$579,578Cash toward the purchase price.
Closing costs + prepaids$18,840Not just lender fees.
Before credits & paid funds$598,418The complete starting cash picture.
Estimated remaining funds due at closing
$598,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,578.46
Your down payment$579,578.46
Closing costs + prepaids$18,839.51
Total buyer cash needed$598,417.97
Remaining funds due$598,417.97
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%)$8,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,594.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,305.50
Initial HOA (3 months)$710.01
Prepaid interest, first (1 days)$26.39
Fees + prepaids$18,839.51
Your down payment is the seller’s equity. You take over the $318,922 balance, so the rest of the $898,500 price is paid at closing. A second mortgage can cover part of it. $598,417.97 is due at closing. Uses and sources reconcile at $917,339.51 each. Not a Closing Disclosure.