Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$317,216Cash toward the purchase price.
Closing costs + prepaids$14,455Not just lender fees.
Before credits & paid funds$331,671The complete starting cash picture.
Estimated remaining funds due at closing
$331,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,216.10
Your down payment$317,216.10
Closing costs + prepaids$14,454.58
Total buyer cash needed$331,670.69
Remaining funds due$331,670.69
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,663.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$614.50
Initial HOA (3 months)$182.01
Prepaid interest, first (1 days)$26.17
Fees + prepaids$14,454.58
Your down payment is the seller’s equity. You take over the $332,783 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $331,670.69 is due at closing. Uses and sources reconcile at $664,453.58 each. Not a Closing Disclosure.