Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$202,913Cash toward the purchase price.
Closing costs + prepaids$14,137Not just lender fees.
Before credits & paid funds$217,049The complete starting cash picture.
Estimated remaining funds due at closing
$217,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,912.56
Your down payment$202,912.56
Closing costs + prepaids$14,136.67
Total buyer cash needed$217,049.24
Remaining funds due$217,049.24
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,784.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$924.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$60.74
Fees + prepaids$14,136.67
Your down payment is the seller’s equity. You take over the $356,987 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $217,049.24 is due at closing. Uses and sources reconcile at $574,036.67 each. Not a Closing Disclosure.