Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$246,070Cash toward the purchase price.
Closing costs + prepaids$17,184Not just lender fees.
Before credits & paid funds$263,254The complete starting cash picture.
Estimated remaining funds due at closing
$263,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,069.87
Your down payment$246,069.87
Closing costs + prepaids$17,183.69
Total buyer cash needed$263,253.56
Remaining funds due$263,253.56
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%)$7,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,569.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$755.50
Prepaid interest, first (1 days)$40.55
Fees + prepaids$17,183.69
Your down payment is the seller’s equity. You take over the $513,929 balance, so the rest of the $759,999 price is paid at closing. A second mortgage can cover part of it. $263,253.56 is due at closing. Uses and sources reconcile at $777,182.69 each. Not a Closing Disclosure.