Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$277,266Cash toward the purchase price.
Closing costs + prepaids$12,135Not just lender fees.
Before credits & paid funds$289,401The complete starting cash picture.
Estimated remaining funds due at closing
$289,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,265.97
Your down payment$277,265.97
Closing costs + prepaids$12,135.12
Total buyer cash needed$289,401.09
Remaining funds due$289,401.09
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,113.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.25
Prepaid interest, first (1 days)$20.20
Fees + prepaids$12,135.12
Your down payment is the seller’s equity. You take over the $222,734 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $289,401.09 is due at closing. Uses and sources reconcile at $512,135.12 each. Not a Closing Disclosure.