Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$300,294Cash toward the purchase price.
Closing costs + prepaids$19,876Not just lender fees.
Before credits & paid funds$320,169The complete starting cash picture.
Estimated remaining funds due at closing
$320,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,293.59
Your down payment$300,293.59
Closing costs + prepaids$19,875.68
Total buyer cash needed$320,169.27
Remaining funds due$320,169.27
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,998.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$855.00
Initial HOA (3 months)$690.00
Prepaid interest, first (1 days)$115.65
Fees + prepaids$19,875.68
Your down payment is the seller’s equity. You take over the $599,606 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $320,169.27 is due at closing. Uses and sources reconcile at $919,775.68 each. Not a Closing Disclosure.