Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$277,219Cash toward the purchase price.
Closing costs + prepaids$14,709Not just lender fees.
Before credits & paid funds$291,928The complete starting cash picture.
Estimated remaining funds due at closing
$291,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,219.22
Your down payment$277,219.22
Closing costs + prepaids$14,709.25
Total buyer cash needed$291,928.47
Remaining funds due$291,928.47
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,863.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$847.50
Prepaid interest, first (1 days)$31.35
Fees + prepaids$14,709.25
Your down payment is the seller’s equity. You take over the $372,681 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $291,928.47 is due at closing. Uses and sources reconcile at $664,609.25 each. Not a Closing Disclosure.