Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$583,551Cash toward the purchase price.
Closing costs + prepaids$21,972Not just lender fees.
Before credits & paid funds$605,522The complete starting cash picture.
Estimated remaining funds due at closing
$605,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,550.54
Your down payment$583,550.54
Closing costs + prepaids$21,971.94
Total buyer cash needed$605,522.48
Remaining funds due$605,522.48
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%)$11,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,807.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$994.25
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$106.44
Fees + prepaids$21,971.94
Your down payment is the seller’s equity. You take over the $561,449 balance, so the rest of the $1,145,000 price is paid at closing. A second mortgage can cover part of it. $605,522.48 is due at closing. Uses and sources reconcile at $1,166,971.94 each. Not a Closing Disclosure.