Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$300,239Cash toward the purchase price.
Closing costs + prepaids$12,632Not just lender fees.
Before credits & paid funds$312,871The complete starting cash picture.
Estimated remaining funds due at closing
$312,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,238.89
Your down payment$300,238.89
Closing costs + prepaids$12,631.94
Total buyer cash needed$312,870.82
Remaining funds due$312,870.82
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,193.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$561.75
Prepaid interest, first (1 days)$18.38
Fees + prepaids$12,631.94
Your down payment is the seller’s equity. You take over the $238,761 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $312,870.82 is due at closing. Uses and sources reconcile at $551,631.94 each. Not a Closing Disclosure.