Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$216,443Cash toward the purchase price.
Closing costs + prepaids$13,685Not just lender fees.
Before credits & paid funds$230,128The complete starting cash picture.
Estimated remaining funds due at closing
$230,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,443.09
Your down payment$216,443.09
Closing costs + prepaids$13,685.41
Total buyer cash needed$230,128.49
Remaining funds due$230,128.49
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,512.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,310.75
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$23.87
Fees + prepaids$13,685.41
Your down payment is the seller’s equity. You take over the $302,557 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $230,128.49 is due at closing. Uses and sources reconcile at $532,685.41 each. Not a Closing Disclosure.