Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$591,126Cash toward the purchase price.
Closing costs + prepaids$18,570Not just lender fees.
Before credits & paid funds$609,696The complete starting cash picture.
Estimated remaining funds due at closing
$609,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$591,125.85
Your down payment$591,125.85
Closing costs + prepaids$18,569.80
Total buyer cash needed$609,695.64
Remaining funds due$609,695.64
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%)$9,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$344.25
Prepaid interest, first (1 days)$38.17
Fees + prepaids$18,569.80
Your down payment is the seller’s equity. You take over the $403,874 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $609,695.64 is due at closing. Uses and sources reconcile at $1,013,569.80 each. Not a Closing Disclosure.