Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$282,560Cash toward the purchase price.
Closing costs + prepaids$12,712Not just lender fees.
Before credits & paid funds$295,273The complete starting cash picture.
Estimated remaining funds due at closing
$295,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,560.30
Your down payment$282,560.30
Closing costs + prepaids$12,712.45
Total buyer cash needed$295,272.75
Remaining funds due$295,272.75
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,187.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$686.25
Initial HOA (3 months)$120.00
Prepaid interest, first (2 days)$51.00
Fees + prepaids$12,712.45
Your down payment is the seller’s equity. You take over the $237,440 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $295,272.75 is due at closing. Uses and sources reconcile at $532,712.45 each. Not a Closing Disclosure.