Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$228,399Cash toward the purchase price.
Closing costs + prepaids$21,159Not just lender fees.
Before credits & paid funds$249,558The complete starting cash picture.
Estimated remaining funds due at closing
$249,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,399.46
Your down payment$228,399.46
Closing costs + prepaids$21,158.83
Total buyer cash needed$249,558.29
Remaining funds due$249,558.29
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,733.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,155.75
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$102.07
Fees + prepaids$21,158.83
Your down payment is the seller’s equity. You take over the $746,601 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $249,558.29 is due at closing. Uses and sources reconcile at $996,158.83 each. Not a Closing Disclosure.