Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$289,359Cash toward the purchase price.
Closing costs + prepaids$12,864Not just lender fees.
Before credits & paid funds$302,223The complete starting cash picture.
Estimated remaining funds due at closing
$302,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,359.35
Your down payment$289,359.35
Closing costs + prepaids$12,863.86
Total buyer cash needed$302,223.22
Remaining funds due$302,223.22
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,302.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$567.25
Prepaid interest, first (1 days)$26.91
Fees + prepaids$12,863.86
Your down payment is the seller’s equity. You take over the $260,541 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $302,223.22 is due at closing. Uses and sources reconcile at $562,763.86 each. Not a Closing Disclosure.