Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,692Cash toward the purchase price.
Closing costs + prepaids$12,075Not just lender fees.
Before credits & paid funds$275,767The complete starting cash picture.
Estimated remaining funds due at closing
$275,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,691.99
Your down payment$263,691.99
Closing costs + prepaids$12,074.66
Total buyer cash needed$275,766.65
Remaining funds due$275,766.65
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%)$4,549.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$956.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$626.50
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$35.69
Fees + prepaids$12,074.66
Your down payment is the seller’s equity. You take over the $191,303 balance, so the rest of the $454,995 price is paid at closing. A second mortgage can cover part of it. $275,766.65 is due at closing. Uses and sources reconcile at $467,069.66 each. Not a Closing Disclosure.