Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$302,262Cash toward the purchase price.
Closing costs + prepaids$13,475Not just lender fees.
Before credits & paid funds$315,736The complete starting cash picture.
Estimated remaining funds due at closing
$315,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,261.58
Your down payment$302,261.58
Closing costs + prepaids$13,474.84
Total buyer cash needed$315,736.42
Remaining funds due$315,736.42
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,463.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.25
Prepaid interest, first (1 days)$23.90
Fees + prepaids$13,474.84
Your down payment is the seller’s equity. You take over the $292,738 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $315,736.42 is due at closing. Uses and sources reconcile at $608,474.84 each. Not a Closing Disclosure.