Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$274,100Cash toward the purchase price.
Closing costs + prepaids$11,245Not just lender fees.
Before credits & paid funds$285,345The complete starting cash picture.
Estimated remaining funds due at closing
$285,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,100.43
Your down payment$274,100.43
Closing costs + prepaids$11,244.94
Total buyer cash needed$285,345.36
Remaining funds due$285,345.36
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%)$4,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$877.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$353.75
Initial HOA (3 months)$291.00
Prepaid interest, first (1 days)$10.19
Fees + prepaids$11,244.94
Your down payment is the seller’s equity. You take over the $175,400 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $285,345.36 is due at closing. Uses and sources reconcile at $460,744.94 each. Not a Closing Disclosure.