Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$379,749Cash toward the purchase price.
Closing costs + prepaids$13,472Not just lender fees.
Before credits & paid funds$393,220The complete starting cash picture.
Estimated remaining funds due at closing
$393,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,748.71
Your down payment$379,748.71
Closing costs + prepaids$13,471.51
Total buyer cash needed$393,220.22
Remaining funds due$393,220.22
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,100.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.50
Initial HOA (3 months)$348.00
Prepaid interest, first (1 days)$22.26
Fees + prepaids$13,471.51
Your down payment is the seller’s equity. You take over the $220,151 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $393,220.22 is due at closing. Uses and sources reconcile at $613,371.51 each. Not a Closing Disclosure.