Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$638,197Cash toward the purchase price.
Closing costs + prepaids$17,029Not just lender fees.
Before credits & paid funds$655,225The complete starting cash picture.
Estimated remaining funds due at closing
$655,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$638,196.65
Your down payment$638,196.65
Closing costs + prepaids$17,028.60
Total buyer cash needed$655,225.25
Remaining funds due$655,225.25
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%)$8,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,209.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$727.25
Initial HOA (3 months)$54.00
Prepaid interest, first (1 days)$20.34
Fees + prepaids$17,028.60
Your down payment is the seller’s equity. You take over the $241,803 balance, so the rest of the $880,000 price is paid at closing. A second mortgage can cover part of it. $655,225.25 is due at closing. Uses and sources reconcile at $897,028.60 each. Not a Closing Disclosure.