Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$534,020Cash toward the purchase price.
Closing costs + prepaids$16,648Not just lender fees.
Before credits & paid funds$550,668The complete starting cash picture.
Estimated remaining funds due at closing
$550,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$534,019.87
Your down payment$534,019.87
Closing costs + prepaids$16,648.40
Total buyer cash needed$550,668.27
Remaining funds due$550,668.27
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,454.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$521.25
Initial HOA (3 months)$162.00
Prepaid interest, first (2 days)$42.25
Fees + prepaids$16,648.40
Your down payment is the seller’s equity. You take over the $290,980 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $550,668.27 is due at closing. Uses and sources reconcile at $841,648.40 each. Not a Closing Disclosure.