Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$613,739Cash toward the purchase price.
Closing costs + prepaids$19,716Not just lender fees.
Before credits & paid funds$633,455The complete starting cash picture.
Estimated remaining funds due at closing
$633,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$613,738.63
Your down payment$613,738.63
Closing costs + prepaids$19,716.08
Total buyer cash needed$633,454.71
Remaining funds due$633,454.71
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%)$9,918.47
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,890.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,655.50
Prepaid interest, first (1 days)$33.56
Fees + prepaids$19,716.08
Your down payment is the seller’s equity. You take over the $378,108 balance, so the rest of the $991,847 price is paid at closing. A second mortgage can cover part of it. $633,454.71 is due at closing. Uses and sources reconcile at $1,011,563.08 each. Not a Closing Disclosure.