Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$252,043Cash toward the purchase price.
Closing costs + prepaids$14,373Not just lender fees.
Before credits & paid funds$266,416The complete starting cash picture.
Estimated remaining funds due at closing
$266,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,043.01
Your down payment$252,043.01
Closing costs + prepaids$14,373.38
Total buyer cash needed$266,416.39
Remaining funds due$266,416.39
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,714.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,176.50
Initial HOA (3 months)$37.50
Prepaid interest, first (1 days)$26.59
Fees + prepaids$14,373.38
Your down payment is the seller’s equity. You take over the $342,957 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $266,416.39 is due at closing. Uses and sources reconcile at $609,373.38 each. Not a Closing Disclosure.