Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$253,445Cash toward the purchase price.
Closing costs + prepaids$14,828Not just lender fees.
Before credits & paid funds$268,273The complete starting cash picture.
Estimated remaining funds due at closing
$268,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,445.15
Your down payment$253,445.15
Closing costs + prepaids$14,827.61
Total buyer cash needed$268,272.76
Remaining funds due$268,272.76
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,027.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.50
Initial HOA (3 months)$216.00
Prepaid interest, first (1 days)$38.33
Fees + prepaids$14,827.61
Your down payment is the seller’s equity. You take over the $405,555 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $268,272.76 is due at closing. Uses and sources reconcile at $673,827.61 each. Not a Closing Disclosure.