Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$597,039Cash toward the purchase price.
Closing costs + prepaids$20,716Not just lender fees.
Before credits & paid funds$617,755The complete starting cash picture.
Estimated remaining funds due at closing
$617,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$597,038.51
Your down payment$597,038.51
Closing costs + prepaids$20,716.18
Total buyer cash needed$617,754.69
Remaining funds due$617,754.69
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%)$1,989.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,487.50
Prepaid interest, first (1 days)$70.87
Fees + prepaids$20,716.18
Your down payment is the seller’s equity. You take over the $397,961 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $617,754.69 is due at closing. Uses and sources reconcile at $1,015,716.18 each. Not a Closing Disclosure.