Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$607,154Cash toward the purchase price.
Closing costs + prepaids$18,066Not just lender fees.
Before credits & paid funds$625,219The complete starting cash picture.
Estimated remaining funds due at closing
$625,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$607,153.59
Your down payment$607,153.59
Closing costs + prepaids$18,065.81
Total buyer cash needed$625,219.40
Remaining funds due$625,219.40
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%)$9,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,714.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$603.25
Prepaid interest, first (1 days)$30.34
Fees + prepaids$18,065.81
Your down payment is the seller’s equity. You take over the $342,845 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $625,219.40 is due at closing. Uses and sources reconcile at $968,064.81 each. Not a Closing Disclosure.