Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$308,942Cash toward the purchase price.
Closing costs + prepaids$28,642Not just lender fees.
Before credits & paid funds$337,584The complete starting cash picture.
Estimated remaining funds due at closing
$337,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,942.08
Your down payment$308,942.08
Closing costs + prepaids$28,641.96
Total buyer cash needed$337,584.04
Remaining funds due$337,584.04
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%)$14,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,945.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$765.50
Initial HOA (3 months)$525.00
Prepaid interest, first (1 days)$208.17
Fees + prepaids$28,641.96
Your down payment is the seller’s equity. You take over the $1,189,058 balance, so the rest of the $1,498,000 price is paid at closing. A second mortgage can cover part of it. $337,584.04 is due at closing. Uses and sources reconcile at $1,526,641.96 each. Not a Closing Disclosure.