Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$216,853Cash toward the purchase price.
Closing costs + prepaids$14,205Not just lender fees.
Before credits & paid funds$231,058The complete starting cash picture.
Estimated remaining funds due at closing
$231,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,852.78
Your down payment$216,852.78
Closing costs + prepaids$14,205.25
Total buyer cash needed$231,058.03
Remaining funds due$231,058.03
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,965.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$642.00
Prepaid interest, first (1 days)$29.51
Fees + prepaids$14,205.25
Your down payment is the seller’s equity. You take over the $393,147 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $231,058.03 is due at closing. Uses and sources reconcile at $624,205.25 each. Not a Closing Disclosure.