Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$295,619Cash toward the purchase price.
Closing costs + prepaids$19,765Not just lender fees.
Before credits & paid funds$315,384The complete starting cash picture.
Estimated remaining funds due at closing
$315,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,618.72
Your down payment$295,618.72
Closing costs + prepaids$19,764.90
Total buyer cash needed$315,383.62
Remaining funds due$315,383.62
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,016.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$969.75
Initial HOA (3 months)$519.00
Prepaid interest, first (1 days)$51.25
Fees + prepaids$19,764.90
Your down payment is the seller’s equity. You take over the $603,381 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $315,383.62 is due at closing. Uses and sources reconcile at $918,764.90 each. Not a Closing Disclosure.