Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$256,325Cash toward the purchase price.
Closing costs + prepaids$14,214Not just lender fees.
Before credits & paid funds$270,538The complete starting cash picture.
Estimated remaining funds due at closing
$270,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,324.60
Your down payment$256,324.60
Closing costs + prepaids$14,213.85
Total buyer cash needed$270,538.45
Remaining funds due$270,538.45
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,718.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$760.25
Initial HOA (3 months)$237.00
Prepaid interest, first (1 days)$30.22
Fees + prepaids$14,213.85
Your down payment is the seller’s equity. You take over the $343,675 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $270,538.45 is due at closing. Uses and sources reconcile at $614,213.85 each. Not a Closing Disclosure.