Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$266,003Cash toward the purchase price.
Closing costs + prepaids$16,519Not just lender fees.
Before credits & paid funds$282,522The complete starting cash picture.
Estimated remaining funds due at closing
$282,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,002.78
Your down payment$266,002.78
Closing costs + prepaids$16,519.49
Total buyer cash needed$282,522.26
Remaining funds due$282,522.26
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%)$6,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,575.00
Initial HOA (3 months)$1,326.00
Prepaid interest, first (1 days)$30.52
Fees + prepaids$16,519.49
Your down payment is the seller’s equity. You take over the $363,996 balance, so the rest of the $629,999 price is paid at closing. A second mortgage can cover part of it. $282,522.26 is due at closing. Uses and sources reconcile at $646,518.49 each. Not a Closing Disclosure.