Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$290,843Cash toward the purchase price.
Closing costs + prepaids$12,301Not just lender fees.
Before credits & paid funds$303,144The complete starting cash picture.
Estimated remaining funds due at closing
$303,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,842.53
Your down payment$290,842.53
Closing costs + prepaids$12,301.08
Total buyer cash needed$303,143.61
Remaining funds due$303,143.61
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$920.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$713.75
Initial HOA (3 months)$434.01
Prepaid interest, first (1 days)$14.53
Fees + prepaids$12,301.08
Your down payment is the seller’s equity. You take over the $184,157 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $303,143.61 is due at closing. Uses and sources reconcile at $487,301.08 each. Not a Closing Disclosure.