Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$257,141Cash toward the purchase price.
Closing costs + prepaids$14,799Not just lender fees.
Before credits & paid funds$271,940The complete starting cash picture.
Estimated remaining funds due at closing
$271,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,140.53
Your down payment$257,140.53
Closing costs + prepaids$14,799.27
Total buyer cash needed$271,939.80
Remaining funds due$271,939.80
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%)$1,889.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$862.25
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$29.71
Fees + prepaids$14,799.27
Your down payment is the seller’s equity. You take over the $377,859 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $271,939.80 is due at closing. Uses and sources reconcile at $649,799.27 each. Not a Closing Disclosure.