Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$476,513Cash toward the purchase price.
Closing costs + prepaids$30,682Not just lender fees.
Before credits & paid funds$507,194The complete starting cash picture.
Estimated remaining funds due at closing
$507,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$476,512.76
Your down payment$476,512.76
Closing costs + prepaids$30,681.59
Total buyer cash needed$507,194.35
Remaining funds due$507,194.35
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%)$16,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,992.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,420.25
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$225.91
Fees + prepaids$30,681.59
Your down payment is the seller’s equity. You take over the $1,198,487 balance, so the rest of the $1,675,000 price is paid at closing. A second mortgage can cover part of it. $507,194.35 is due at closing. Uses and sources reconcile at $1,705,681.59 each. Not a Closing Disclosure.