Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$517,152Cash toward the purchase price.
Closing costs + prepaids$13,025Not just lender fees.
Before credits & paid funds$530,176The complete starting cash picture.
Estimated remaining funds due at closing
$530,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$517,151.58
Your down payment$517,151.58
Closing costs + prepaids$13,024.69
Total buyer cash needed$530,176.26
Remaining funds due$530,176.26
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$539.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.25
Initial HOA (3 months)$129.99
Prepaid interest, first (2 days)$19.21
Fees + prepaids$13,024.69
Your down payment is the seller’s equity. You take over the $107,848 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $530,176.26 is due at closing. Uses and sources reconcile at $638,024.69 each. Not a Closing Disclosure.