Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$327,670Cash toward the purchase price.
Closing costs + prepaids$19,573Not just lender fees.
Before credits & paid funds$347,242The complete starting cash picture.
Estimated remaining funds due at closing
$347,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,669.89
Your down payment$327,669.89
Closing costs + prepaids$19,572.58
Total buyer cash needed$347,242.47
Remaining funds due$347,242.47
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%)$9,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,911.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$832.75
Initial HOA (3 months)$462.00
Prepaid interest, first (1 days)$48.18
Fees + prepaids$19,572.58
Your down payment is the seller’s equity. You take over the $582,330 balance, so the rest of the $910,000 price is paid at closing. A second mortgage can cover part of it. $347,242.47 is due at closing. Uses and sources reconcile at $929,572.58 each. Not a Closing Disclosure.