Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$253,236Cash toward the purchase price.
Closing costs + prepaids$12,707Not just lender fees.
Before credits & paid funds$265,943The complete starting cash picture.
Estimated remaining funds due at closing
$265,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,236.39
Your down payment$253,236.39
Closing costs + prepaids$12,707.07
Total buyer cash needed$265,943.46
Remaining funds due$265,943.46
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,483.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$232.00
Prepaid interest, first (1 days)$23.25
Fees + prepaids$12,707.07
Your down payment is the seller’s equity. You take over the $296,764 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $265,943.46 is due at closing. Uses and sources reconcile at $562,707.07 each. Not a Closing Disclosure.