Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$597,971Cash toward the purchase price.
Closing costs + prepaids$16,553Not just lender fees.
Before credits & paid funds$614,525The complete starting cash picture.
Estimated remaining funds due at closing
$614,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$597,971.42
Your down payment$597,971.42
Closing costs + prepaids$16,553.48
Total buyer cash needed$614,524.89
Remaining funds due$614,524.89
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,135.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$915.75
Prepaid interest, first (2 days)$34.58
Fees + prepaids$16,553.48
Your down payment is the seller’s equity. You take over the $227,029 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $614,524.89 is due at closing. Uses and sources reconcile at $841,553.48 each. Not a Closing Disclosure.