Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$290,738Cash toward the purchase price.
Closing costs + prepaids$17,586Not just lender fees.
Before credits & paid funds$308,325The complete starting cash picture.
Estimated remaining funds due at closing
$308,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,738.49
Your down payment$290,738.49
Closing costs + prepaids$17,586.16
Total buyer cash needed$308,324.65
Remaining funds due$308,324.65
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%)$7,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,391.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$919.25
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$37.61
Fees + prepaids$17,586.16
Your down payment is the seller’s equity. You take over the $478,262 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $308,324.65 is due at closing. Uses and sources reconcile at $786,586.16 each. Not a Closing Disclosure.