Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$331,703Cash toward the purchase price.
Closing costs + prepaids$18,580Not just lender fees.
Before credits & paid funds$350,283The complete starting cash picture.
Estimated remaining funds due at closing
$350,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,703.29
Your down payment$331,703.29
Closing costs + prepaids$18,579.86
Total buyer cash needed$350,283.15
Remaining funds due$350,283.15
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,590.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,139.00
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$42.88
Fees + prepaids$18,579.86
Your down payment is the seller’s equity. You take over the $518,197 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $350,283.15 is due at closing. Uses and sources reconcile at $868,479.86 each. Not a Closing Disclosure.