Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$527,000Cash toward the purchase price.
Closing costs + prepaids$20,241Not just lender fees.
Before credits & paid funds$547,242The complete starting cash picture.
Estimated remaining funds due at closing
$547,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,000.43
Your down payment$527,000.43
Closing costs + prepaids$20,241.49
Total buyer cash needed$547,241.92
Remaining funds due$547,241.92
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,115.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,375.00
Prepaid interest, first (1 days)$33.49
Fees + prepaids$20,241.49
Your down payment is the seller’s equity. You take over the $423,000 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $547,241.92 is due at closing. Uses and sources reconcile at $970,241.49 each. Not a Closing Disclosure.