Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$310,282Cash toward the purchase price.
Closing costs + prepaids$14,317Not just lender fees.
Before credits & paid funds$324,598The complete starting cash picture.
Estimated remaining funds due at closing
$324,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,281.81
Your down payment$310,281.81
Closing costs + prepaids$14,316.62
Total buyer cash needed$324,598.43
Remaining funds due$324,598.43
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,573.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$627.25
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$25.78
Fees + prepaids$14,316.62
Your down payment is the seller’s equity. You take over the $314,718 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $324,598.43 is due at closing. Uses and sources reconcile at $639,316.62 each. Not a Closing Disclosure.