Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$290,044Cash toward the purchase price.
Closing costs + prepaids$13,451Not just lender fees.
Before credits & paid funds$303,495The complete starting cash picture.
Estimated remaining funds due at closing
$303,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,044.29
Your down payment$290,044.29
Closing costs + prepaids$13,450.78
Total buyer cash needed$303,495.07
Remaining funds due$303,495.07
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%)$5,307.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,203.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$939.75
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$22.75
Fees + prepaids$13,450.78
Your down payment is the seller’s equity. You take over the $240,656 balance, so the rest of the $530,700 price is paid at closing. A second mortgage can cover part of it. $303,495.07 is due at closing. Uses and sources reconcile at $544,150.78 each. Not a Closing Disclosure.