Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$248,282Cash toward the purchase price.
Closing costs + prepaids$14,095Not just lender fees.
Before credits & paid funds$262,377The complete starting cash picture.
Estimated remaining funds due at closing
$262,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,281.73
Your down payment$248,281.73
Closing costs + prepaids$14,095.10
Total buyer cash needed$262,376.83
Remaining funds due$262,376.83
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%)$5,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,623.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.75
Initial HOA (3 months)$645.00
Prepaid interest, first (1 days)$27.76
Fees + prepaids$14,095.10
Your down payment is the seller’s equity. You take over the $324,718 balance, so the rest of the $573,000 price is paid at closing. A second mortgage can cover part of it. $262,376.83 is due at closing. Uses and sources reconcile at $587,095.10 each. Not a Closing Disclosure.