Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$312,163Cash toward the purchase price.
Closing costs + prepaids$13,216Not just lender fees.
Before credits & paid funds$325,379The complete starting cash picture.
Estimated remaining funds due at closing
$325,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,162.58
Your down payment$312,162.58
Closing costs + prepaids$13,216.19
Total buyer cash needed$325,378.77
Remaining funds due$325,378.77
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,264.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.50
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$20.50
Fees + prepaids$13,216.19
Your down payment is the seller’s equity. You take over the $252,837 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $325,378.77 is due at closing. Uses and sources reconcile at $578,216.19 each. Not a Closing Disclosure.