Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$275,646Cash toward the purchase price.
Closing costs + prepaids$13,112Not just lender fees.
Before credits & paid funds$288,758The complete starting cash picture.
Estimated remaining funds due at closing
$288,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,645.72
Your down payment$275,645.72
Closing costs + prepaids$13,112.18
Total buyer cash needed$288,757.90
Remaining funds due$288,757.90
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,371.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$538.00
Initial HOA (3 months)$180.00
Prepaid interest, first (2 days)$54.42
Fees + prepaids$13,112.18
Your down payment is the seller’s equity. You take over the $274,353 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $288,757.90 is due at closing. Uses and sources reconcile at $563,111.18 each. Not a Closing Disclosure.