Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$302,766Cash toward the purchase price.
Closing costs + prepaids$10,592Not just lender fees.
Before credits & paid funds$313,358The complete starting cash picture.
Estimated remaining funds due at closing
$313,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,765.71
Your down payment$302,765.71
Closing costs + prepaids$10,591.94
Total buyer cash needed$313,357.64
Remaining funds due$313,357.64
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$585.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$370.00
Initial HOA (3 months)$200.01
Prepaid interest, first (2 days)$19.25
Fees + prepaids$10,591.94
Your down payment is the seller’s equity. You take over the $117,134 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $313,357.64 is due at closing. Uses and sources reconcile at $430,491.94 each. Not a Closing Disclosure.