Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,704Cash toward the purchase price.
Closing costs + prepaids$11,952Not just lender fees.
Before credits & paid funds$275,656The complete starting cash picture.
Estimated remaining funds due at closing
$275,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,704.35
Your down payment$263,704.35
Closing costs + prepaids$11,951.96
Total buyer cash needed$275,656.32
Remaining funds due$275,656.32
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,026.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$523.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$19.24
Fees + prepaids$11,951.96
Your down payment is the seller’s equity. You take over the $205,296 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $275,656.32 is due at closing. Uses and sources reconcile at $480,951.96 each. Not a Closing Disclosure.