Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$244,337Cash toward the purchase price.
Closing costs + prepaids$13,551Not just lender fees.
Before credits & paid funds$257,888The complete starting cash picture.
Estimated remaining funds due at closing
$257,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,337.14
Your down payment$244,337.14
Closing costs + prepaids$13,550.66
Total buyer cash needed$257,887.80
Remaining funds due$257,887.80
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$887.00
Initial HOA (3 months)$741.00
Prepaid interest, first (1 days)$26.35
Fees + prepaids$13,550.66
Your down payment is the seller’s equity. You take over the $265,663 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $257,887.80 is due at closing. Uses and sources reconcile at $523,550.66 each. Not a Closing Disclosure.