Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$214,847Cash toward the purchase price.
Closing costs + prepaids$13,995Not just lender fees.
Before credits & paid funds$228,842The complete starting cash picture.
Estimated remaining funds due at closing
$228,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,847.05
Your down payment$214,847.05
Closing costs + prepaids$13,995.01
Total buyer cash needed$228,842.06
Remaining funds due$228,842.06
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,925.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$463.75
Initial HOA (3 months)$107.01
Prepaid interest, first (1 days)$30.50
Fees + prepaids$13,995.01
Your down payment is the seller’s equity. You take over the $385,152 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $228,842.06 is due at closing. Uses and sources reconcile at $613,994.01 each. Not a Closing Disclosure.