Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$297,753Cash toward the purchase price.
Closing costs + prepaids$14,165Not just lender fees.
Before credits & paid funds$311,918The complete starting cash picture.
Estimated remaining funds due at closing
$311,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,753.41
Your down payment$297,753.41
Closing costs + prepaids$14,164.50
Total buyer cash needed$311,917.91
Remaining funds due$311,917.91
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,306.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$27.77
Fees + prepaids$14,164.50
Your down payment is the seller’s equity. You take over the $261,247 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $311,917.91 is due at closing. Uses and sources reconcile at $573,164.50 each. Not a Closing Disclosure.