Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$256,961Cash toward the purchase price.
Closing costs + prepaids$20,256Not just lender fees.
Before credits & paid funds$277,217The complete starting cash picture.
Estimated remaining funds due at closing
$277,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,960.61
Your down payment$256,960.61
Closing costs + prepaids$20,256.27
Total buyer cash needed$277,216.88
Remaining funds due$277,216.88
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%)$8,997.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,213.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,186.25
Initial HOA (3 months)$519.99
Prepaid interest, first (1 days)$121.33
Fees + prepaids$20,256.27
Your down payment is the seller’s equity. You take over the $642,739 balance, so the rest of the $899,700 price is paid at closing. A second mortgage can cover part of it. $277,216.88 is due at closing. Uses and sources reconcile at $919,956.27 each. Not a Closing Disclosure.