Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$367,892Cash toward the purchase price.
Closing costs + prepaids$14,358Not just lender fees.
Before credits & paid funds$382,250The complete starting cash picture.
Estimated remaining funds due at closing
$382,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,891.69
Your down payment$367,891.69
Closing costs + prepaids$14,357.87
Total buyer cash needed$382,249.56
Remaining funds due$382,249.56
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,355.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$730.25
Initial HOA (3 months)$384.00
Prepaid interest, first (1 days)$30.08
Fees + prepaids$14,357.87
Your down payment is the seller’s equity. You take over the $271,108 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $382,249.56 is due at closing. Uses and sources reconcile at $653,357.87 each. Not a Closing Disclosure.