Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$212,642Cash toward the purchase price.
Closing costs + prepaids$14,275Not just lender fees.
Before credits & paid funds$226,916The complete starting cash picture.
Estimated remaining funds due at closing
$226,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,641.79
Your down payment$212,641.79
Closing costs + prepaids$14,274.63
Total buyer cash needed$226,916.42
Remaining funds due$226,916.42
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%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,881.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.00
Initial HOA (3 months)$408.00
Prepaid interest, first (1 days)$27.84
Fees + prepaids$14,274.63
Your down payment is the seller’s equity. You take over the $376,358 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $226,916.42 is due at closing. Uses and sources reconcile at $603,274.63 each. Not a Closing Disclosure.