Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$277,340Cash toward the purchase price.
Closing costs + prepaids$12,145Not just lender fees.
Before credits & paid funds$289,486The complete starting cash picture.
Estimated remaining funds due at closing
$289,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,340.40
Your down payment$277,340.40
Closing costs + prepaids$12,145.38
Total buyer cash needed$289,485.78
Remaining funds due$289,485.78
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%)$4,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$983.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$367.25
Initial HOA (3 months)$570.99
Prepaid interest, first (1 days)$15.84
Fees + prepaids$12,145.38
Your down payment is the seller’s equity. You take over the $196,660 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $289,485.78 is due at closing. Uses and sources reconcile at $486,145.38 each. Not a Closing Disclosure.