Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$237,487Cash toward the purchase price.
Closing costs + prepaids$14,619Not just lender fees.
Before credits & paid funds$252,107The complete starting cash picture.
Estimated remaining funds due at closing
$252,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,487.49
Your down payment$237,487.49
Closing costs + prepaids$14,619.25
Total buyer cash needed$252,106.74
Remaining funds due$252,106.74
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,912.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$764.00
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$34.69
Fees + prepaids$14,619.25
Your down payment is the seller’s equity. You take over the $382,513 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $252,106.74 is due at closing. Uses and sources reconcile at $634,619.25 each. Not a Closing Disclosure.