Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$309,493Cash toward the purchase price.
Closing costs + prepaids$19,847Not just lender fees.
Before credits & paid funds$329,340The complete starting cash picture.
Estimated remaining funds due at closing
$329,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,492.91
Your down payment$309,492.91
Closing costs + prepaids$19,846.71
Total buyer cash needed$329,339.62
Remaining funds due$329,339.62
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,197.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$710.00
Initial HOA (3 months)$141.99
Prepaid interest, first (1 days)$89.18
Fees + prepaids$19,846.71
Your down payment is the seller’s equity. You take over the $639,507 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $329,339.62 is due at closing. Uses and sources reconcile at $968,846.71 each. Not a Closing Disclosure.