Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$341,899Cash toward the purchase price.
Closing costs + prepaids$13,689Not just lender fees.
Before credits & paid funds$355,588The complete starting cash picture.
Estimated remaining funds due at closing
$355,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,898.91
Your down payment$341,898.91
Closing costs + prepaids$13,689.09
Total buyer cash needed$355,588.00
Remaining funds due$355,588.00
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,390.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$467.00
Initial HOA (3 months)$135.00
Prepaid interest, first (1 days)$30.09
Fees + prepaids$13,689.09
Your down payment is the seller’s equity. You take over the $278,001 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $355,588.00 is due at closing. Uses and sources reconcile at $633,589.09 each. Not a Closing Disclosure.