Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$271,667Cash toward the purchase price.
Closing costs + prepaids$18,480Not just lender fees.
Before credits & paid funds$290,148The complete starting cash picture.
Estimated remaining funds due at closing
$290,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,667.33
Your down payment$271,667.33
Closing costs + prepaids$18,480.25
Total buyer cash needed$290,147.58
Remaining funds due$290,147.58
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%)$8,439.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,861.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$852.50
Prepaid interest, first (1 days)$109.59
Fees + prepaids$18,480.25
Your down payment is the seller’s equity. You take over the $572,233 balance, so the rest of the $843,900 price is paid at closing. A second mortgage can cover part of it. $290,147.58 is due at closing. Uses and sources reconcile at $862,380.25 each. Not a Closing Disclosure.