Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$273,976Cash toward the purchase price.
Closing costs + prepaids$14,831Not just lender fees.
Before credits & paid funds$288,807The complete starting cash picture.
Estimated remaining funds due at closing
$288,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,975.75
Your down payment$273,975.75
Closing costs + prepaids$14,831.11
Total buyer cash needed$288,806.86
Remaining funds due$288,806.86
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,705.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$464.00
Initial HOA (3 months)$987.00
Prepaid interest, first (1 days)$56.99
Fees + prepaids$14,831.11
Your down payment is the seller’s equity. You take over the $341,024 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $288,806.86 is due at closing. Uses and sources reconcile at $629,831.11 each. Not a Closing Disclosure.