Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$282,627Cash toward the purchase price.
Closing costs + prepaids$14,103Not just lender fees.
Before credits & paid funds$296,730The complete starting cash picture.
Estimated remaining funds due at closing
$296,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,626.86
Your down payment$282,626.86
Closing costs + prepaids$14,103.18
Total buyer cash needed$296,730.04
Remaining funds due$296,730.04
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,486.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$860.50
Initial HOA (3 months)$438.00
Prepaid interest, first (2 days)$51.31
Fees + prepaids$14,103.18
Your down payment is the seller’s equity. You take over the $297,273 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $296,730.04 is due at closing. Uses and sources reconcile at $594,003.18 each. Not a Closing Disclosure.