Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$601,543Cash toward the purchase price.
Closing costs + prepaids$16,431Not just lender fees.
Before credits & paid funds$617,975The complete starting cash picture.
Estimated remaining funds due at closing
$617,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$601,543.41
Your down payment$601,543.41
Closing costs + prepaids$16,431.49
Total buyer cash needed$617,974.91
Remaining funds due$617,974.91
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%)$8,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,392.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (1 days)$21.21
Fees + prepaids$16,431.49
Your down payment is the seller’s equity. You take over the $278,457 balance, so the rest of the $880,000 price is paid at closing. A second mortgage can cover part of it. $617,974.91 is due at closing. Uses and sources reconcile at $896,431.49 each. Not a Closing Disclosure.