Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$265,156Cash toward the purchase price.
Closing costs + prepaids$9,079Not just lender fees.
Before credits & paid funds$274,235The complete starting cash picture.
Estimated remaining funds due at closing
$274,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,155.96
Your down payment$265,155.96
Closing costs + prepaids$9,079.40
Total buyer cash needed$274,235.35
Remaining funds due$274,235.35
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$319.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$245.25
Prepaid interest, first (1 days)$6.93
Fees + prepaids$9,079.40
Your down payment is the seller’s equity. You take over the $63,844 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $274,235.35 is due at closing. Uses and sources reconcile at $338,079.40 each. Not a Closing Disclosure.