Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$227,665Cash toward the purchase price.
Closing costs + prepaids$12,654Not just lender fees.
Before credits & paid funds$240,319The complete starting cash picture.
Estimated remaining funds due at closing
$240,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,665.02
Your down payment$227,665.02
Closing costs + prepaids$12,654.27
Total buyer cash needed$240,319.29
Remaining funds due$240,319.29
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,386.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$498.50
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$17.10
Fees + prepaids$12,654.27
Your down payment is the seller’s equity. You take over the $277,335 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $240,319.29 is due at closing. Uses and sources reconcile at $517,654.27 each. Not a Closing Disclosure.