Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$287,248Cash toward the purchase price.
Closing costs + prepaids$15,420Not just lender fees.
Before credits & paid funds$302,668The complete starting cash picture.
Estimated remaining funds due at closing
$302,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,248.43
Your down payment$287,248.43
Closing costs + prepaids$15,419.81
Total buyer cash needed$302,668.25
Remaining funds due$302,668.25
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%)$6,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,838.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,297.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$42.31
Fees + prepaids$15,419.81
Your down payment is the seller’s equity. You take over the $367,652 balance, so the rest of the $654,900 price is paid at closing. A second mortgage can cover part of it. $302,668.25 is due at closing. Uses and sources reconcile at $670,319.81 each. Not a Closing Disclosure.