Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$241,316Cash toward the purchase price.
Closing costs + prepaids$15,602Not just lender fees.
Before credits & paid funds$256,919The complete starting cash picture.
Estimated remaining funds due at closing
$256,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,316.48
Your down payment$241,316.48
Closing costs + prepaids$15,602.10
Total buyer cash needed$256,918.58
Remaining funds due$256,918.58
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,038.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,340.25
Initial HOA (3 months)$183.00
Prepaid interest, first (2 days)$82.43
Fees + prepaids$15,602.10
Your down payment is the seller’s equity. You take over the $407,684 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $256,918.58 is due at closing. Uses and sources reconcile at $664,602.10 each. Not a Closing Disclosure.