Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$273,955Cash toward the purchase price.
Closing costs + prepaids$12,782Not just lender fees.
Before credits & paid funds$286,737The complete starting cash picture.
Estimated remaining funds due at closing
$286,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,955.30
Your down payment$273,955.30
Closing costs + prepaids$12,781.60
Total buyer cash needed$286,736.90
Remaining funds due$286,736.90
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,230.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$535.00
Initial HOA (3 months)$324.99
Prepaid interest, first (1 days)$23.39
Fees + prepaids$12,781.60
Your down payment is the seller’s equity. You take over the $246,045 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $286,736.90 is due at closing. Uses and sources reconcile at $532,781.60 each. Not a Closing Disclosure.