Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$425,380Cash toward the purchase price.
Closing costs + prepaids$19,846Not just lender fees.
Before credits & paid funds$445,226The complete starting cash picture.
Estimated remaining funds due at closing
$445,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,379.83
Your down payment$425,379.83
Closing costs + prepaids$19,845.93
Total buyer cash needed$445,225.75
Remaining funds due$445,225.75
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%)$9,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,818.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$348.50
Initial HOA (3 months)$525.00
Prepaid interest, first (1 days)$46.32
Fees + prepaids$19,845.93
Your down payment is the seller’s equity. You take over the $563,620 balance, so the rest of the $989,000 price is paid at closing. A second mortgage can cover part of it. $445,225.75 is due at closing. Uses and sources reconcile at $1,008,845.93 each. Not a Closing Disclosure.