Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$239,564Cash toward the purchase price.
Closing costs + prepaids$15,348Not just lender fees.
Before credits & paid funds$254,911The complete starting cash picture.
Estimated remaining funds due at closing
$254,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,563.95
Your down payment$239,563.95
Closing costs + prepaids$15,347.53
Total buyer cash needed$254,911.49
Remaining funds due$254,911.49
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,952.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,559.75
Prepaid interest, first (2 days)$67.60
Fees + prepaids$15,347.53
Your down payment is the seller’s equity. You take over the $390,436 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $254,911.49 is due at closing. Uses and sources reconcile at $645,347.53 each. Not a Closing Disclosure.