Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$269,484Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$282,288The complete starting cash picture.
Estimated remaining funds due at closing
$282,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,484.08
Your down payment$269,484.08
Closing costs + prepaids$12,804.05
Total buyer cash needed$282,288.13
Remaining funds due$282,288.13
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%)$5,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,290.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$601.25
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$19.72
Fees + prepaids$12,804.05
Your down payment is the seller’s equity. You take over the $258,016 balance, so the rest of the $527,500 price is paid at closing. A second mortgage can cover part of it. $282,288.13 is due at closing. Uses and sources reconcile at $540,304.05 each. Not a Closing Disclosure.