Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$521,794Cash toward the purchase price.
Closing costs + prepaids$22,899Not just lender fees.
Before credits & paid funds$544,693The complete starting cash picture.
Estimated remaining funds due at closing
$544,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,794.22
Your down payment$521,794.22
Closing costs + prepaids$22,899.20
Total buyer cash needed$544,693.42
Remaining funds due$544,693.42
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%)$11,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,390.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$850.00
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$69.67
Fees + prepaids$22,899.20
Your down payment is the seller’s equity. You take over the $678,106 balance, so the rest of the $1,199,900 price is paid at closing. A second mortgage can cover part of it. $544,693.42 is due at closing. Uses and sources reconcile at $1,222,799.20 each. Not a Closing Disclosure.