Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$287,297Cash toward the purchase price.
Closing costs + prepaids$10,243Not just lender fees.
Before credits & paid funds$297,540The complete starting cash picture.
Estimated remaining funds due at closing
$297,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,297.28
Your down payment$287,297.28
Closing costs + prepaids$10,242.84
Total buyer cash needed$297,540.13
Remaining funds due$297,540.13
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$563.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.50
Prepaid interest, first (2 days)$20.84
Fees + prepaids$10,242.84
Your down payment is the seller’s equity. You take over the $112,702 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $297,540.13 is due at closing. Uses and sources reconcile at $410,241.84 each. Not a Closing Disclosure.