Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$245,729Cash toward the purchase price.
Closing costs + prepaids$14,727Not just lender fees.
Before credits & paid funds$260,456The complete starting cash picture.
Estimated remaining funds due at closing
$260,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,729.40
Your down payment$245,729.40
Closing costs + prepaids$14,726.99
Total buyer cash needed$260,456.39
Remaining funds due$260,456.39
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,896.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,007.50
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$30.13
Fees + prepaids$14,726.99
Your down payment is the seller’s equity. You take over the $379,271 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $260,456.39 is due at closing. Uses and sources reconcile at $639,726.99 each. Not a Closing Disclosure.