Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$349,069Cash toward the purchase price.
Closing costs + prepaids$14,018Not just lender fees.
Before credits & paid funds$363,087The complete starting cash picture.
Estimated remaining funds due at closing
$363,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,068.93
Your down payment$349,068.93
Closing costs + prepaids$14,018.32
Total buyer cash needed$363,087.24
Remaining funds due$363,087.24
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%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,199.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,328.25
Initial HOA (3 months)$114.99
Prepaid interest, first (1 days)$17.42
Fees + prepaids$14,018.32
Your down payment is the seller’s equity. You take over the $239,931 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $363,087.24 is due at closing. Uses and sources reconcile at $603,018.32 each. Not a Closing Disclosure.