Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$522,701Cash toward the purchase price.
Closing costs + prepaids$14,140Not just lender fees.
Before credits & paid funds$536,841The complete starting cash picture.
Estimated remaining funds due at closing
$536,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$522,700.73
Your down payment$522,700.73
Closing costs + prepaids$14,139.88
Total buyer cash needed$536,840.62
Remaining funds due$536,840.62
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$636.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,297.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$14.64
Fees + prepaids$14,139.88
Your down payment is the seller’s equity. You take over the $127,199 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $536,840.62 is due at closing. Uses and sources reconcile at $664,039.88 each. Not a Closing Disclosure.