Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$586,878Cash toward the purchase price.
Closing costs + prepaids$17,445Not just lender fees.
Before credits & paid funds$604,323The complete starting cash picture.
Estimated remaining funds due at closing
$604,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$586,877.50
Your down payment$586,877.50
Closing costs + prepaids$17,445.16
Total buyer cash needed$604,322.66
Remaining funds due$604,322.66
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,560.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$645.25
Prepaid interest, first (1 days)$31.30
Fees + prepaids$17,445.16
Your down payment is the seller’s equity. You take over the $312,122 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $604,322.66 is due at closing. Uses and sources reconcile at $916,445.16 each. Not a Closing Disclosure.