Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$268,664Cash toward the purchase price.
Closing costs + prepaids$12,759Not just lender fees.
Before credits & paid funds$281,422The complete starting cash picture.
Estimated remaining funds due at closing
$281,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,663.74
Your down payment$268,663.74
Closing costs + prepaids$12,758.53
Total buyer cash needed$281,422.27
Remaining funds due$281,422.27
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,306.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$481.50
Initial HOA (3 months)$182.01
Prepaid interest, first (1 days)$20.33
Fees + prepaids$12,758.53
Your down payment is the seller’s equity. You take over the $261,336 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $281,422.27 is due at closing. Uses and sources reconcile at $542,758.53 each. Not a Closing Disclosure.