Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$248,211Cash toward the purchase price.
Closing costs + prepaids$13,107Not just lender fees.
Before credits & paid funds$261,318The complete starting cash picture.
Estimated remaining funds due at closing
$261,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,210.55
Your down payment$248,210.55
Closing costs + prepaids$13,107.49
Total buyer cash needed$261,318.04
Remaining funds due$261,318.04
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,033.75
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$31.80
Fees + prepaids$13,107.49
Your down payment is the seller’s equity. You take over the $266,789 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $261,318.04 is due at closing. Uses and sources reconcile at $528,107.49 each. Not a Closing Disclosure.