Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$611,951Cash toward the purchase price.
Closing costs + prepaids$19,386Not just lender fees.
Before credits & paid funds$631,337The complete starting cash picture.
Estimated remaining funds due at closing
$631,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$611,951.17
Your down payment$611,951.17
Closing costs + prepaids$19,386.20
Total buyer cash needed$631,337.37
Remaining funds due$631,337.37
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%)$9,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,890.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$792.50
Initial HOA (3 months)$552.00
Prepaid interest, first (1 days)$33.45
Fees + prepaids$19,386.20
Your down payment is the seller’s equity. You take over the $378,049 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $631,337.37 is due at closing. Uses and sources reconcile at $1,009,386.20 each. Not a Closing Disclosure.