Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$219,442Cash toward the purchase price.
Closing costs + prepaids$13,470Not just lender fees.
Before credits & paid funds$232,913The complete starting cash picture.
Estimated remaining funds due at closing
$232,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,442.47
Your down payment$219,442.47
Closing costs + prepaids$13,470.12
Total buyer cash needed$232,912.59
Remaining funds due$232,912.59
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%)$5,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,542.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$964.00
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$29.33
Fees + prepaids$13,470.12
Your down payment is the seller’s equity. You take over the $308,558 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $232,912.59 is due at closing. Uses and sources reconcile at $541,470.12 each. Not a Closing Disclosure.