Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$282,208Cash toward the purchase price.
Closing costs + prepaids$12,001Not just lender fees.
Before credits & paid funds$294,209The complete starting cash picture.
Estimated remaining funds due at closing
$294,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,207.89
Your down payment$282,207.89
Closing costs + prepaids$12,001.48
Total buyer cash needed$294,209.37
Remaining funds due$294,209.37
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,038.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.25
Prepaid interest, first (1 days)$20.77
Fees + prepaids$12,001.48
Your down payment is the seller’s equity. You take over the $207,692 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $294,209.37 is due at closing. Uses and sources reconcile at $501,901.48 each. Not a Closing Disclosure.