Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$256,045Cash toward the purchase price.
Closing costs + prepaids$11,725Not just lender fees.
Before credits & paid funds$267,770The complete starting cash picture.
Estimated remaining funds due at closing
$267,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,045.39
Your down payment$256,045.39
Closing costs + prepaids$11,724.90
Total buyer cash needed$267,770.29
Remaining funds due$267,770.29
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,044.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$418.75
Initial HOA (3 months)$123.00
Prepaid interest, first (1 days)$20.38
Fees + prepaids$11,724.90
Your down payment is the seller’s equity. You take over the $208,955 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $267,770.29 is due at closing. Uses and sources reconcile at $476,724.90 each. Not a Closing Disclosure.