Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$317,226Cash toward the purchase price.
Closing costs + prepaids$14,031Not just lender fees.
Before credits & paid funds$331,256The complete starting cash picture.
Estimated remaining funds due at closing
$331,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,225.57
Your down payment$317,225.57
Closing costs + prepaids$14,030.59
Total buyer cash needed$331,256.15
Remaining funds due$331,256.15
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,338.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,345.25
Prepaid interest, first (1 days)$28.46
Fees + prepaids$14,030.59
Your down payment is the seller’s equity. You take over the $267,774 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $331,256.15 is due at closing. Uses and sources reconcile at $599,030.59 each. Not a Closing Disclosure.