Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$291,454Cash toward the purchase price.
Closing costs + prepaids$13,219Not just lender fees.
Before credits & paid funds$304,672The complete starting cash picture.
Estimated remaining funds due at closing
$304,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,453.91
Your down payment$291,453.91
Closing costs + prepaids$13,218.51
Total buyer cash needed$304,672.41
Remaining funds due$304,672.41
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,342.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$468.00
Initial HOA (3 months)$318.00
Prepaid interest, first (1 days)$21.78
Fees + prepaids$13,218.51
Your down payment is the seller’s equity. You take over the $268,546 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $304,672.41 is due at closing. Uses and sources reconcile at $573,218.51 each. Not a Closing Disclosure.