Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$247,913Cash toward the purchase price.
Closing costs + prepaids$13,289Not just lender fees.
Before credits & paid funds$261,202The complete starting cash picture.
Estimated remaining funds due at closing
$261,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,912.90
Your down payment$247,912.90
Closing costs + prepaids$13,289.35
Total buyer cash needed$261,202.25
Remaining funds due$261,202.25
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,505.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$471.50
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$24.42
Fees + prepaids$13,289.35
Your down payment is the seller’s equity. You take over the $301,087 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $261,202.25 is due at closing. Uses and sources reconcile at $562,289.35 each. Not a Closing Disclosure.