Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$251,215Cash toward the purchase price.
Closing costs + prepaids$9,334Not just lender fees.
Before credits & paid funds$260,549The complete starting cash picture.
Estimated remaining funds due at closing
$260,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,214.74
Your down payment$251,214.74
Closing costs + prepaids$9,334.44
Total buyer cash needed$260,549.19
Remaining funds due$260,549.19
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%)$3,059.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$273.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.75
Prepaid interest, first (2 days)$19.27
Fees + prepaids$9,334.44
Your down payment is the seller’s equity. You take over the $54,685 balance, so the rest of the $305,900 price is paid at closing. A second mortgage can cover part of it. $260,549.19 is due at closing. Uses and sources reconcile at $315,234.44 each. Not a Closing Disclosure.