Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$278,365Cash toward the purchase price.
Closing costs + prepaids$14,790Not just lender fees.
Before credits & paid funds$293,155The complete starting cash picture.
Estimated remaining funds due at closing
$293,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,365.07
Your down payment$278,365.07
Closing costs + prepaids$14,790.07
Total buyer cash needed$293,155.14
Remaining funds due$293,155.14
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,807.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$739.25
Initial HOA (3 months)$339.00
Prepaid interest, first (1 days)$37.14
Fees + prepaids$14,790.07
Your down payment is the seller’s equity. You take over the $361,535 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $293,155.14 is due at closing. Uses and sources reconcile at $654,690.07 each. Not a Closing Disclosure.