Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$303,022Cash toward the purchase price.
Closing costs + prepaids$15,462Not just lender fees.
Before credits & paid funds$318,484The complete starting cash picture.
Estimated remaining funds due at closing
$318,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,022.09
Your down payment$303,022.09
Closing costs + prepaids$15,461.88
Total buyer cash needed$318,483.98
Remaining funds due$318,483.98
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%)$6,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,782.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$747.00
Initial HOA (3 months)$840.00
Prepaid interest, first (1 days)$29.49
Fees + prepaids$15,461.88
Your down payment is the seller’s equity. You take over the $356,478 balance, so the rest of the $659,500 price is paid at closing. A second mortgage can cover part of it. $318,483.98 is due at closing. Uses and sources reconcile at $674,961.88 each. Not a Closing Disclosure.