Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$248,754Cash toward the purchase price.
Closing costs + prepaids$12,368Not just lender fees.
Before credits & paid funds$261,122The complete starting cash picture.
Estimated remaining funds due at closing
$261,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,753.96
Your down payment$248,753.96
Closing costs + prepaids$12,367.86
Total buyer cash needed$261,121.82
Remaining funds due$261,121.82
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,331.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$396.75
Prepaid interest, first (1 days)$21.88
Fees + prepaids$12,367.86
Your down payment is the seller’s equity. You take over the $266,246 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $261,121.82 is due at closing. Uses and sources reconcile at $527,367.86 each. Not a Closing Disclosure.