Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$283,813Cash toward the purchase price.
Closing costs + prepaids$15,207Not just lender fees.
Before credits & paid funds$299,020The complete starting cash picture.
Estimated remaining funds due at closing
$299,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,812.92
Your down payment$283,812.92
Closing costs + prepaids$15,207.30
Total buyer cash needed$299,020.22
Remaining funds due$299,020.22
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,580.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.75
Initial HOA (3 months)$1,500.00
Prepaid interest, first (1 days)$25.11
Fees + prepaids$15,207.30
Your down payment is the seller’s equity. You take over the $316,087 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $299,020.22 is due at closing. Uses and sources reconcile at $615,107.30 each. Not a Closing Disclosure.