Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$273,496Cash toward the purchase price.
Closing costs + prepaids$16,263Not just lender fees.
Before credits & paid funds$289,759The complete starting cash picture.
Estimated remaining funds due at closing
$289,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,496.17
Your down payment$273,496.17
Closing costs + prepaids$16,262.51
Total buyer cash needed$289,758.68
Remaining funds due$289,758.68
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%)$7,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,177.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$556.75
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$34.24
Fees + prepaids$16,262.51
Your down payment is the seller’s equity. You take over the $435,504 balance, so the rest of the $709,000 price is paid at closing. A second mortgage can cover part of it. $289,758.68 is due at closing. Uses and sources reconcile at $725,262.51 each. Not a Closing Disclosure.