Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$365,022Cash toward the purchase price.
Closing costs + prepaids$15,208Not just lender fees.
Before credits & paid funds$380,230The complete starting cash picture.
Estimated remaining funds due at closing
$380,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,022.41
Your down payment$365,022.41
Closing costs + prepaids$15,207.61
Total buyer cash needed$380,230.02
Remaining funds due$380,230.02
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,249.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Initial HOA (3 months)$720.00
Prepaid interest, first (1 days)$19.72
Fees + prepaids$15,207.61
Your down payment is the seller’s equity. You take over the $249,978 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $380,230.02 is due at closing. Uses and sources reconcile at $630,207.61 each. Not a Closing Disclosure.