Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$315,130Cash toward the purchase price.
Closing costs + prepaids$13,070Not just lender fees.
Before credits & paid funds$328,200The complete starting cash picture.
Estimated remaining funds due at closing
$328,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,129.56
Your down payment$315,129.56
Closing costs + prepaids$13,069.99
Total buyer cash needed$328,199.55
Remaining funds due$328,199.55
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,223.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$441.00
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$23.14
Fees + prepaids$13,069.99
Your down payment is the seller’s equity. You take over the $244,770 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $328,199.55 is due at closing. Uses and sources reconcile at $572,969.99 each. Not a Closing Disclosure.