Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$600,453Cash toward the purchase price.
Closing costs + prepaids$33,330Not just lender fees.
Before credits & paid funds$633,783The complete starting cash picture.
Estimated remaining funds due at closing
$633,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$600,453.00
Your down payment$600,453.00
Closing costs + prepaids$33,330.44
Total buyer cash needed$633,783.44
Remaining funds due$633,783.44
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%)$16,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,492.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,247.50
Initial HOA (3 months)$195.00
Prepaid interest, first (2 days)$187.20
Fees + prepaids$33,330.44
Your down payment is the seller’s equity. You take over the $1,098,547 balance, so the rest of the $1,699,000 price is paid at closing. A second mortgage can cover part of it. $633,783.44 is due at closing. Uses and sources reconcile at $1,732,330.44 each. Not a Closing Disclosure.