Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$251,814Cash toward the purchase price.
Closing costs + prepaids$10,344Not just lender fees.
Before credits & paid funds$262,159The complete starting cash picture.
Estimated remaining funds due at closing
$262,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,814.34
Your down payment$251,814.34
Closing costs + prepaids$10,344.24
Total buyer cash needed$262,158.58
Remaining funds due$262,158.58
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%)$3,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$613.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.50
Initial HOA (3 months)$405.00
Prepaid interest, first (1 days)$13.31
Fees + prepaids$10,344.24
Your down payment is the seller’s equity. You take over the $122,686 balance, so the rest of the $374,500 price is paid at closing. A second mortgage can cover part of it. $262,158.58 is due at closing. Uses and sources reconcile at $384,844.24 each. Not a Closing Disclosure.