Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$317,884Cash toward the purchase price.
Closing costs + prepaids$14,314Not just lender fees.
Before credits & paid funds$332,199The complete starting cash picture.
Estimated remaining funds due at closing
$332,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,884.48
Your down payment$317,884.48
Closing costs + prepaids$14,314.45
Total buyer cash needed$332,198.93
Remaining funds due$332,198.93
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,460.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$925.50
Initial HOA (3 months)$339.00
Prepaid interest, first (1 days)$21.37
Fees + prepaids$14,314.45
Your down payment is the seller’s equity. You take over the $292,116 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $332,198.93 is due at closing. Uses and sources reconcile at $624,314.45 each. Not a Closing Disclosure.