Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$233,180Cash toward the purchase price.
Closing costs + prepaids$9,020Not just lender fees.
Before credits & paid funds$242,200The complete starting cash picture.
Estimated remaining funds due at closing
$242,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,180.07
Your down payment$233,180.07
Closing costs + prepaids$9,020.43
Total buyer cash needed$242,200.50
Remaining funds due$242,200.50
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%)$2,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$281.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.00
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$9.83
Fees + prepaids$9,020.43
Your down payment is the seller’s equity. You take over the $56,320 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $242,200.50 is due at closing. Uses and sources reconcile at $298,520.43 each. Not a Closing Disclosure.