Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$249,489Cash toward the purchase price.
Closing costs + prepaids$15,546Not just lender fees.
Before credits & paid funds$265,034The complete starting cash picture.
Estimated remaining funds due at closing
$265,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,488.77
Your down payment$249,488.77
Closing costs + prepaids$15,545.71
Total buyer cash needed$265,034.48
Remaining funds due$265,034.48
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%)$5,679.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,420.00
Initial HOA (3 months)$1,332.00
Prepaid interest, first (2 days)$53.23
Fees + prepaids$15,545.71
Your down payment is the seller’s equity. You take over the $318,506 balance, so the rest of the $567,995 price is paid at closing. A second mortgage can cover part of it. $265,034.48 is due at closing. Uses and sources reconcile at $583,540.71 each. Not a Closing Disclosure.