Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$249,111Cash toward the purchase price.
Closing costs + prepaids$11,563Not just lender fees.
Before credits & paid funds$260,674The complete starting cash picture.
Estimated remaining funds due at closing
$260,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,111.22
Your down payment$249,111.22
Closing costs + prepaids$11,562.64
Total buyer cash needed$260,673.86
Remaining funds due$260,673.86
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%)$4,247.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$877.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.75
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$13.95
Fees + prepaids$11,562.64
Your down payment is the seller’s equity. You take over the $175,589 balance, so the rest of the $424,700 price is paid at closing. A second mortgage can cover part of it. $260,673.86 is due at closing. Uses and sources reconcile at $436,262.64 each. Not a Closing Disclosure.