Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$492,820Cash toward the purchase price.
Closing costs + prepaids$18,661Not just lender fees.
Before credits & paid funds$511,481The complete starting cash picture.
Estimated remaining funds due at closing
$511,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,819.86
Your down payment$492,819.86
Closing costs + prepaids$18,661.17
Total buyer cash needed$511,481.03
Remaining funds due$511,481.03
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%)$9,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,185.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$694.25
Initial HOA (3 months)$220.50
Prepaid interest, first (1 days)$42.52
Fees + prepaids$18,661.17
Your down payment is the seller’s equity. You take over the $437,180 balance, so the rest of the $930,000 price is paid at closing. A second mortgage can cover part of it. $511,481.03 is due at closing. Uses and sources reconcile at $948,661.17 each. Not a Closing Disclosure.