Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$220,300Cash toward the purchase price.
Closing costs + prepaids$13,528Not just lender fees.
Before credits & paid funds$233,828The complete starting cash picture.
Estimated remaining funds due at closing
$233,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,299.93
Your down payment$220,299.93
Closing costs + prepaids$13,528.19
Total buyer cash needed$233,828.12
Remaining funds due$233,828.12
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,648.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$883.75
Prepaid interest, first (1 days)$29.44
Fees + prepaids$13,528.19
Your down payment is the seller’s equity. You take over the $329,600 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $233,828.12 is due at closing. Uses and sources reconcile at $563,428.19 each. Not a Closing Disclosure.