Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$213,584Cash toward the purchase price.
Closing costs + prepaids$14,777Not just lender fees.
Before credits & paid funds$228,361The complete starting cash picture.
Estimated remaining funds due at closing
$228,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,584.10
Your down payment$213,584.10
Closing costs + prepaids$14,777.16
Total buyer cash needed$228,361.27
Remaining funds due$228,361.27
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%)$6,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,094.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.25
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$31.33
Fees + prepaids$14,777.16
Your down payment is the seller’s equity. You take over the $418,916 balance, so the rest of the $632,500 price is paid at closing. A second mortgage can cover part of it. $228,361.27 is due at closing. Uses and sources reconcile at $647,277.16 each. Not a Closing Disclosure.