Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$568,672Cash toward the purchase price.
Closing costs + prepaids$16,504Not just lender fees.
Before credits & paid funds$585,177The complete starting cash picture.
Estimated remaining funds due at closing
$585,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$568,672.38
Your down payment$568,672.38
Closing costs + prepaids$16,504.46
Total buyer cash needed$585,176.83
Remaining funds due$585,176.83
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,106.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.75
Initial HOA (3 months)$450.00
Prepaid interest, first (1 days)$18.07
Fees + prepaids$16,504.46
Your down payment is the seller’s equity. You take over the $221,328 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $585,176.83 is due at closing. Uses and sources reconcile at $806,504.46 each. Not a Closing Disclosure.