Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$595,388Cash toward the purchase price.
Closing costs + prepaids$19,223Not just lender fees.
Before credits & paid funds$614,611The complete starting cash picture.
Estimated remaining funds due at closing
$614,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$595,388.10
Your down payment$595,388.10
Closing costs + prepaids$19,222.97
Total buyer cash needed$614,611.07
Remaining funds due$614,611.07
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%)$9,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$799.00
Initial HOA (3 months)$182.25
Prepaid interest, first (1 days)$30.66
Fees + prepaids$19,222.97
Your down payment is the seller’s equity. You take over the $402,612 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $614,611.07 is due at closing. Uses and sources reconcile at $1,017,222.97 each. Not a Closing Disclosure.