Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$279,512Cash toward the purchase price.
Closing costs + prepaids$10,733Not just lender fees.
Before credits & paid funds$290,244The complete starting cash picture.
Estimated remaining funds due at closing
$290,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,511.78
Your down payment$279,511.78
Closing costs + prepaids$10,732.56
Total buyer cash needed$290,244.34
Remaining funds due$290,244.34
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%)$4,197.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$701.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$433.25
Initial HOA (3 months)$168.00
Prepaid interest, first (1 days)$14.22
Fees + prepaids$10,732.56
Your down payment is the seller’s equity. You take over the $140,265 balance, so the rest of the $419,777 price is paid at closing. A second mortgage can cover part of it. $290,244.34 is due at closing. Uses and sources reconcile at $430,509.56 each. Not a Closing Disclosure.