Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,928Cash toward the purchase price.
Closing costs + prepaids$17,950Not just lender fees.
Before credits & paid funds$304,878The complete starting cash picture.
Estimated remaining funds due at closing
$304,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,927.67
Your down payment$286,927.67
Closing costs + prepaids$17,950.41
Total buyer cash needed$304,878.08
Remaining funds due$304,878.08
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,740.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$182.00
Initial HOA (3 months)$399.99
Prepaid interest, first (1 days)$60.06
Fees + prepaids$17,950.41
Your down payment is the seller’s equity. You take over the $548,072 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $304,878.08 is due at closing. Uses and sources reconcile at $852,950.41 each. Not a Closing Disclosure.