Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$562,848Cash toward the purchase price.
Closing costs + prepaids$20,772Not just lender fees.
Before credits & paid funds$583,621The complete starting cash picture.
Estimated remaining funds due at closing
$583,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$562,848.19
Your down payment$562,848.19
Closing costs + prepaids$20,772.39
Total buyer cash needed$583,620.59
Remaining funds due$583,620.59
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%)$9,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,985.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,400.00
Initial HOA (3 months)$504.00
Prepaid interest, first (2 days)$64.63
Fees + prepaids$20,772.39
Your down payment is the seller’s equity. You take over the $397,152 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $583,620.59 is due at closing. Uses and sources reconcile at $980,772.39 each. Not a Closing Disclosure.