Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$230,327Cash toward the purchase price.
Closing costs + prepaids$14,254Not just lender fees.
Before credits & paid funds$244,581The complete starting cash picture.
Estimated remaining funds due at closing
$244,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,326.75
Your down payment$230,326.75
Closing costs + prepaids$14,253.89
Total buyer cash needed$244,580.63
Remaining funds due$244,580.63
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%)$6,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,872.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$577.25
Initial HOA (3 months)$257.01
Prepaid interest, first (1 days)$29.76
Fees + prepaids$14,253.89
Your down payment is the seller’s equity. You take over the $374,573 balance, so the rest of the $604,900 price is paid at closing. A second mortgage can cover part of it. $244,580.63 is due at closing. Uses and sources reconcile at $619,153.89 each. Not a Closing Disclosure.