Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$232,025Cash toward the purchase price.
Closing costs + prepaids$13,743Not just lender fees.
Before credits & paid funds$245,768The complete starting cash picture.
Estimated remaining funds due at closing
$245,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,024.87
Your down payment$232,024.87
Closing costs + prepaids$13,742.68
Total buyer cash needed$245,767.55
Remaining funds due$245,767.55
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%)$5,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,814.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.50
Initial HOA (3 months)$444.00
Prepaid interest, first (1 days)$32.32
Fees + prepaids$13,742.68
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $594,999 price is paid at closing. A second mortgage can cover part of it. $245,767.55 is due at closing. Uses and sources reconcile at $608,741.68 each. Not a Closing Disclosure.