Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$228,015Cash toward the purchase price.
Closing costs + prepaids$16,558Not just lender fees.
Before credits & paid funds$244,573The complete starting cash picture.
Estimated remaining funds due at closing
$244,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,014.97
Your down payment$228,014.97
Closing costs + prepaids$16,558.14
Total buyer cash needed$244,573.11
Remaining funds due$244,573.11
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,434.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$714.25
Prepaid interest, first (1 days)$40.96
Fees + prepaids$16,558.14
Your down payment is the seller’s equity. You take over the $486,985 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $244,573.11 is due at closing. Uses and sources reconcile at $731,558.14 each. Not a Closing Disclosure.