Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$588,399Cash toward the purchase price.
Closing costs + prepaids$17,347Not just lender fees.
Before credits & paid funds$605,746The complete starting cash picture.
Estimated remaining funds due at closing
$605,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$588,398.85
Your down payment$588,398.85
Closing costs + prepaids$17,346.82
Total buyer cash needed$605,745.67
Remaining funds due$605,745.67
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$842.50
Prepaid interest, first (2 days)$43.31
Fees + prepaids$17,346.82
Your down payment is the seller’s equity. You take over the $290,601 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $605,745.67 is due at closing. Uses and sources reconcile at $896,346.82 each. Not a Closing Disclosure.