Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$306,364Cash toward the purchase price.
Closing costs + prepaids$12,931Not just lender fees.
Before credits & paid funds$319,295The complete starting cash picture.
Estimated remaining funds due at closing
$319,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,364.35
Your down payment$306,364.35
Closing costs + prepaids$12,931.05
Total buyer cash needed$319,295.40
Remaining funds due$319,295.40
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,268.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$426.25
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$18.62
Fees + prepaids$12,931.05
Your down payment is the seller’s equity. You take over the $253,636 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $319,295.40 is due at closing. Uses and sources reconcile at $572,931.05 each. Not a Closing Disclosure.