Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$254,363Cash toward the purchase price.
Closing costs + prepaids$13,999Not just lender fees.
Before credits & paid funds$268,362The complete starting cash picture.
Estimated remaining funds due at closing
$268,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,363.27
Your down payment$254,363.27
Closing costs + prepaids$13,998.93
Total buyer cash needed$268,362.20
Remaining funds due$268,362.20
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,602.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$739.75
Initial HOA (3 months)$384.00
Prepaid interest, first (2 days)$55.50
Fees + prepaids$13,998.93
Your down payment is the seller’s equity. You take over the $320,537 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $268,362.20 is due at closing. Uses and sources reconcile at $588,898.93 each. Not a Closing Disclosure.