Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$284,701Cash toward the purchase price.
Closing costs + prepaids$11,641Not just lender fees.
Before credits & paid funds$296,342The complete starting cash picture.
Estimated remaining funds due at closing
$296,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,700.65
Your down payment$284,700.65
Closing costs + prepaids$11,640.87
Total buyer cash needed$296,341.52
Remaining funds due$296,341.52
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$776.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$559.50
Initial HOA (3 months)$675.00
Prepaid interest, first (1 days)$11.87
Fees + prepaids$11,640.87
Your down payment is the seller’s equity. You take over the $155,299 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $296,341.52 is due at closing. Uses and sources reconcile at $451,640.87 each. Not a Closing Disclosure.