Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$486,656Cash toward the purchase price.
Closing costs + prepaids$18,036Not just lender fees.
Before credits & paid funds$504,692The complete starting cash picture.
Estimated remaining funds due at closing
$504,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$486,655.55
Your down payment$486,655.55
Closing costs + prepaids$18,036.04
Total buyer cash needed$504,691.59
Remaining funds due$504,691.59
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,066.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$612.75
Initial HOA (3 months)$105.99
Prepaid interest, first (1 days)$34.08
Fees + prepaids$18,036.04
Your down payment is the seller’s equity. You take over the $413,244 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $504,691.59 is due at closing. Uses and sources reconcile at $917,936.04 each. Not a Closing Disclosure.