Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$217,370Cash toward the purchase price.
Closing costs + prepaids$13,274Not just lender fees.
Before credits & paid funds$230,644The complete starting cash picture.
Estimated remaining funds due at closing
$230,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,369.75
Your down payment$217,369.75
Closing costs + prepaids$13,274.18
Total buyer cash needed$230,643.92
Remaining funds due$230,643.92
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,413.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$358.75
Initial HOA (3 months)$981.00
Prepaid interest, first (1 days)$53.27
Fees + prepaids$13,274.18
Your down payment is the seller’s equity. You take over the $282,630 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $230,643.92 is due at closing. Uses and sources reconcile at $513,274.18 each. Not a Closing Disclosure.