Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$242,763Cash toward the purchase price.
Closing costs + prepaids$15,012Not just lender fees.
Before credits & paid funds$257,774The complete starting cash picture.
Estimated remaining funds due at closing
$257,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,762.59
Your down payment$242,762.59
Closing costs + prepaids$15,011.62
Total buyer cash needed$257,774.20
Remaining funds due$257,774.20
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,961.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,208.25
Prepaid interest, first (1 days)$24.18
Fees + prepaids$15,011.62
Your down payment is the seller’s equity. You take over the $392,237 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $257,774.20 is due at closing. Uses and sources reconcile at $650,011.62 each. Not a Closing Disclosure.