Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$202,457Cash toward the purchase price.
Closing costs + prepaids$13,927Not just lender fees.
Before credits & paid funds$216,385The complete starting cash picture.
Estimated remaining funds due at closing
$216,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,457.22
Your down payment$202,457.22
Closing costs + prepaids$13,927.34
Total buyer cash needed$216,384.56
Remaining funds due$216,384.56
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$443.25
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$28.37
Fees + prepaids$13,927.34
Your down payment is the seller’s equity. You take over the $372,543 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $216,384.56 is due at closing. Uses and sources reconcile at $588,927.34 each. Not a Closing Disclosure.