Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$546,518Cash toward the purchase price.
Closing costs + prepaids$20,120Not just lender fees.
Before credits & paid funds$566,638The complete starting cash picture.
Estimated remaining funds due at closing
$566,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$546,517.91
Your down payment$546,517.91
Closing costs + prepaids$20,119.89
Total buyer cash needed$566,637.79
Remaining funds due$566,637.79
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%)$9,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,917.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,936.00
Initial HOA (3 months)$716.01
Prepaid interest, first (1 days)$32.46
Fees + prepaids$20,119.89
Your down payment is the seller’s equity. You take over the $383,482 balance, so the rest of the $930,000 price is paid at closing. A second mortgage can cover part of it. $566,637.79 is due at closing. Uses and sources reconcile at $950,119.89 each. Not a Closing Disclosure.