Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$236,149Cash toward the purchase price.
Closing costs + prepaids$17,411Not just lender fees.
Before credits & paid funds$253,560The complete starting cash picture.
Estimated remaining funds due at closing
$253,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,149.07
Your down payment$236,149.07
Closing costs + prepaids$17,411.25
Total buyer cash needed$253,560.32
Remaining funds due$253,560.32
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,564.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$768.25
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$40.75
Fees + prepaids$17,411.25
Your down payment is the seller’s equity. You take over the $512,851 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $253,560.32 is due at closing. Uses and sources reconcile at $766,411.25 each. Not a Closing Disclosure.