Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$296,734Cash toward the purchase price.
Closing costs + prepaids$15,684Not just lender fees.
Before credits & paid funds$312,418The complete starting cash picture.
Estimated remaining funds due at closing
$312,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,734.10
Your down payment$296,734.10
Closing costs + prepaids$15,683.82
Total buyer cash needed$312,417.92
Remaining funds due$312,417.92
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,861.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$691.75
Initial HOA (3 months)$945.00
Prepaid interest, first (1 days)$27.74
Fees + prepaids$15,683.82
Your down payment is the seller’s equity. You take over the $372,266 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $312,417.92 is due at closing. Uses and sources reconcile at $684,683.82 each. Not a Closing Disclosure.