Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$297,091Cash toward the purchase price.
Closing costs + prepaids$12,413Not just lender fees.
Before credits & paid funds$309,504The complete starting cash picture.
Estimated remaining funds due at closing
$309,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,090.90
Your down payment$297,090.90
Closing costs + prepaids$12,413.47
Total buyer cash needed$309,504.37
Remaining funds due$309,504.37
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,009.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$770.50
Initial HOA (3 months)$159.99
Prepaid interest, first (1 days)$15.43
Fees + prepaids$12,413.47
Your down payment is the seller’s equity. You take over the $201,909 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $309,504.37 is due at closing. Uses and sources reconcile at $511,413.47 each. Not a Closing Disclosure.