Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$282,627Cash toward the purchase price.
Closing costs + prepaids$14,078Not just lender fees.
Before credits & paid funds$296,704The complete starting cash picture.
Estimated remaining funds due at closing
$296,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,626.86
Your down payment$282,626.86
Closing costs + prepaids$14,077.52
Total buyer cash needed$296,704.38
Remaining funds due$296,704.38
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,486.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$860.50
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$25.66
Fees + prepaids$14,077.52
Your down payment is the seller’s equity. You take over the $297,273 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $296,704.38 is due at closing. Uses and sources reconcile at $593,977.52 each. Not a Closing Disclosure.