Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$269,821Cash toward the purchase price.
Closing costs + prepaids$20,056Not just lender fees.
Before credits & paid funds$289,877The complete starting cash picture.
Estimated remaining funds due at closing
$289,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,820.91
Your down payment$269,820.91
Closing costs + prepaids$20,055.88
Total buyer cash needed$289,876.79
Remaining funds due$289,876.79
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,400.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$672.00
Initial HOA (3 months)$141.99
Prepaid interest, first (1 days)$122.99
Fees + prepaids$20,055.88
Your down payment is the seller’s equity. You take over the $680,179 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $289,876.79 is due at closing. Uses and sources reconcile at $970,055.88 each. Not a Closing Disclosure.