Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$425,735Cash toward the purchase price.
Closing costs + prepaids$14,656Not just lender fees.
Before credits & paid funds$440,391The complete starting cash picture.
Estimated remaining funds due at closing
$440,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,735.20
Your down payment$425,735.20
Closing costs + prepaids$14,656.08
Total buyer cash needed$440,391.28
Remaining funds due$440,391.28
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$871.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,737.25
Initial HOA (3 months)$567.00
Prepaid interest, first (1 days)$12.51
Fees + prepaids$14,656.08
Your down payment is the seller’s equity. You take over the $174,265 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $440,391.28 is due at closing. Uses and sources reconcile at $614,656.08 each. Not a Closing Disclosure.