Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$247,997Cash toward the purchase price.
Closing costs + prepaids$10,155Not just lender fees.
Before credits & paid funds$258,151The complete starting cash picture.
Estimated remaining funds due at closing
$258,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,996.58
Your down payment$247,996.58
Closing costs + prepaids$10,154.75
Total buyer cash needed$258,151.33
Remaining funds due$258,151.33
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$409.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,128.25
Initial HOA (3 months)$87.51
Prepaid interest, first (2 days)$12.48
Fees + prepaids$10,154.75
Your down payment is the seller’s equity. You take over the $81,903 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $258,151.33 is due at closing. Uses and sources reconcile at $340,054.75 each. Not a Closing Disclosure.