Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$257,872Cash toward the purchase price.
Closing costs + prepaids$14,385Not just lender fees.
Before credits & paid funds$272,257The complete starting cash picture.
Estimated remaining funds due at closing
$272,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,871.54
Your down payment$257,871.54
Closing costs + prepaids$14,385.26
Total buyer cash needed$272,256.80
Remaining funds due$272,256.80
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,860.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$516.00
Initial HOA (3 months)$209.01
Prepaid interest, first (1 days)$31.61
Fees + prepaids$14,385.26
Your down payment is the seller’s equity. You take over the $372,128 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $272,256.80 is due at closing. Uses and sources reconcile at $644,385.26 each. Not a Closing Disclosure.