Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$579,282Cash toward the purchase price.
Closing costs + prepaids$19,731Not just lender fees.
Before credits & paid funds$599,012The complete starting cash picture.
Estimated remaining funds due at closing
$599,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,281.81
Your down payment$579,281.81
Closing costs + prepaids$19,730.66
Total buyer cash needed$599,012.46
Remaining funds due$599,012.46
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,603.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,306.25
Initial HOA (3 months)$1,574.01
Prepaid interest, first (1 days)$30.31
Fees + prepaids$19,730.66
Your down payment is the seller’s equity. You take over the $320,618 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $599,012.46 is due at closing. Uses and sources reconcile at $919,630.66 each. Not a Closing Disclosure.