Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$270,820Cash toward the purchase price.
Closing costs + prepaids$10,232Not just lender fees.
Before credits & paid funds$281,053The complete starting cash picture.
Estimated remaining funds due at closing
$281,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,820.22
Your down payment$270,820.22
Closing costs + prepaids$10,232.49
Total buyer cash needed$281,052.71
Remaining funds due$281,052.71
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$520.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.25
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$9.84
Fees + prepaids$10,232.49
Your down payment is the seller’s equity. You take over the $104,080 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $281,052.71 is due at closing. Uses and sources reconcile at $385,132.49 each. Not a Closing Disclosure.