Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$274,546Cash toward the purchase price.
Closing costs + prepaids$14,908Not just lender fees.
Before credits & paid funds$289,454The complete starting cash picture.
Estimated remaining funds due at closing
$289,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,546.39
Your down payment$274,546.39
Closing costs + prepaids$14,907.50
Total buyer cash needed$289,453.90
Remaining funds due$289,453.90
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%)$6,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,927.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$884.25
Prepaid interest, first (1 days)$27.98
Fees + prepaids$14,907.50
Your down payment is the seller’s equity. You take over the $385,454 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $289,453.90 is due at closing. Uses and sources reconcile at $674,907.50 each. Not a Closing Disclosure.