Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$289,078Cash toward the purchase price.
Closing costs + prepaids$14,540Not just lender fees.
Before credits & paid funds$303,618The complete starting cash picture.
Estimated remaining funds due at closing
$303,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,077.88
Your down payment$289,077.88
Closing costs + prepaids$14,540.09
Total buyer cash needed$303,617.97
Remaining funds due$303,617.97
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%)$6,229.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,669.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$775.00
Initial HOA (3 months)$372.99
Prepaid interest, first (1 days)$24.52
Fees + prepaids$14,540.09
Your down payment is the seller’s equity. You take over the $333,920 balance, so the rest of the $622,998 price is paid at closing. A second mortgage can cover part of it. $303,617.97 is due at closing. Uses and sources reconcile at $637,538.09 each. Not a Closing Disclosure.