Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$15,805Cash toward the purchase price.
Closing costs + prepaids$10,889Not just lender fees.
Before credits & paid funds$26,694The complete starting cash picture.
Estimated remaining funds due at closing
$26,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,805.41
Your down payment$15,805.41
Closing costs + prepaids$10,888.89
Total buyer cash needed$26,694.30
Remaining funds due$26,694.30
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,295.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$956.50
Initial HOA (3 months)$630.00
Prepaid interest, first (1 days)$38.42
Fees + prepaids$10,888.89
Your down payment is the seller’s equity. You take over the $259,195 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $26,694.30 is due at closing. Uses and sources reconcile at $285,888.89 each. Not a Closing Disclosure.