Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$283,386Cash toward the purchase price.
Closing costs + prepaids$13,889Not just lender fees.
Before credits & paid funds$297,275The complete starting cash picture.
Estimated remaining funds due at closing
$297,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,385.93
Your down payment$283,385.93
Closing costs + prepaids$13,889.22
Total buyer cash needed$297,275.16
Remaining funds due$297,275.16
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,582.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$192.00
Prepaid interest, first (1 days)$27.40
Fees + prepaids$13,889.22
Your down payment is the seller’s equity. You take over the $316,514 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $297,275.16 is due at closing. Uses and sources reconcile at $613,789.22 each. Not a Closing Disclosure.