Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$227,964Cash toward the purchase price.
Closing costs + prepaids$12,600Not just lender fees.
Before credits & paid funds$240,564The complete starting cash picture.
Estimated remaining funds due at closing
$240,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,964.26
Your down payment$227,964.26
Closing costs + prepaids$12,599.81
Total buyer cash needed$240,564.08
Remaining funds due$240,564.08
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,355.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$477.25
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$21.39
Fees + prepaids$12,599.81
Your down payment is the seller’s equity. You take over the $271,036 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $240,564.08 is due at closing. Uses and sources reconcile at $511,599.81 each. Not a Closing Disclosure.