Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$299,999Cash toward the purchase price.
Closing costs + prepaids$14,143Not just lender fees.
Before credits & paid funds$314,142The complete starting cash picture.
Estimated remaining funds due at closing
$314,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,999.23
Your down payment$299,999.23
Closing costs + prepaids$14,142.82
Total buyer cash needed$314,142.05
Remaining funds due$314,142.05
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%)$1,699.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$548.75
Prepaid interest, first (1 days)$27.56
Fees + prepaids$14,142.82
Your down payment is the seller’s equity. You take over the $339,901 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $314,142.05 is due at closing. Uses and sources reconcile at $654,042.82 each. Not a Closing Disclosure.