Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$239,264Cash toward the purchase price.
Closing costs + prepaids$12,477Not just lender fees.
Before credits & paid funds$251,741The complete starting cash picture.
Estimated remaining funds due at closing
$251,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,264.01
Your down payment$239,264.01
Closing costs + prepaids$12,477.39
Total buyer cash needed$251,741.40
Remaining funds due$251,741.40
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,278.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$501.00
Initial HOA (3 months)$261.00
Prepaid interest, first (1 days)$18.71
Fees + prepaids$12,477.39
Your down payment is the seller’s equity. You take over the $255,736 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $251,741.40 is due at closing. Uses and sources reconcile at $507,477.39 each. Not a Closing Disclosure.