Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$543,879Cash toward the purchase price.
Closing costs + prepaids$18,094Not just lender fees.
Before credits & paid funds$561,973The complete starting cash picture.
Estimated remaining funds due at closing
$561,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$543,878.80
Your down payment$543,878.80
Closing costs + prepaids$18,094.09
Total buyer cash needed$561,972.90
Remaining funds due$561,972.90
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%)$8,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,655.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$957.75
Initial HOA (3 months)$462.00
Prepaid interest, first (2 days)$52.24
Fees + prepaids$18,094.09
Your down payment is the seller’s equity. You take over the $331,021 balance, so the rest of the $874,900 price is paid at closing. A second mortgage can cover part of it. $561,972.90 is due at closing. Uses and sources reconcile at $892,994.09 each. Not a Closing Disclosure.