Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$231,242Cash toward the purchase price.
Closing costs + prepaids$14,561Not just lender fees.
Before credits & paid funds$245,804The complete starting cash picture.
Estimated remaining funds due at closing
$245,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,242.40
Your down payment$231,242.40
Closing costs + prepaids$14,561.25
Total buyer cash needed$245,803.65
Remaining funds due$245,803.65
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,943.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$835.75
Prepaid interest, first (2 days)$115.21
Fees + prepaids$14,561.25
Your down payment is the seller’s equity. You take over the $388,658 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $245,803.65 is due at closing. Uses and sources reconcile at $634,461.25 each. Not a Closing Disclosure.