Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$243,559Cash toward the purchase price.
Closing costs + prepaids$13,114Not just lender fees.
Before credits & paid funds$256,672The complete starting cash picture.
Estimated remaining funds due at closing
$256,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,558.58
Your down payment$243,558.58
Closing costs + prepaids$13,113.59
Total buyer cash needed$256,672.17
Remaining funds due$256,672.17
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,357.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,011.00
Initial HOA (3 months)$102.99
Prepaid interest, first (1 days)$24.39
Fees + prepaids$13,113.59
Your down payment is the seller’s equity. You take over the $271,441 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $256,672.17 is due at closing. Uses and sources reconcile at $528,113.59 each. Not a Closing Disclosure.