Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$236,106Cash toward the purchase price.
Closing costs + prepaids$14,798Not just lender fees.
Before credits & paid funds$250,904The complete starting cash picture.
Estimated remaining funds due at closing
$250,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,106.27
Your down payment$236,106.27
Closing costs + prepaids$14,797.51
Total buyer cash needed$250,903.77
Remaining funds due$250,903.77
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,994.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$543.00
Initial HOA (3 months)$411.00
Prepaid interest, first (1 days)$31.04
Fees + prepaids$14,797.51
Your down payment is the seller’s equity. You take over the $398,894 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $250,903.77 is due at closing. Uses and sources reconcile at $649,797.51 each. Not a Closing Disclosure.