Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$209,876Cash toward the purchase price.
Closing costs + prepaids$13,619Not just lender fees.
Before credits & paid funds$223,496The complete starting cash picture.
Estimated remaining funds due at closing
$223,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,876.29
Your down payment$209,876.29
Closing costs + prepaids$13,619.41
Total buyer cash needed$223,495.70
Remaining funds due$223,495.70
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,650.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$638.25
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$26.04
Fees + prepaids$13,619.41
Your down payment is the seller’s equity. You take over the $330,024 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $223,495.70 is due at closing. Uses and sources reconcile at $553,519.41 each. Not a Closing Disclosure.