Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$307,877Cash toward the purchase price.
Closing costs + prepaids$10,519Not just lender fees.
Before credits & paid funds$318,396The complete starting cash picture.
Estimated remaining funds due at closing
$318,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,877.09
Your down payment$307,877.09
Closing costs + prepaids$10,519.00
Total buyer cash needed$318,396.09
Remaining funds due$318,396.09
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$535.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.00
Initial HOA (3 months)$282.00
Prepaid interest, first (1 days)$11.39
Fees + prepaids$10,519.00
Your down payment is the seller’s equity. You take over the $107,123 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $318,396.09 is due at closing. Uses and sources reconcile at $425,519.00 each. Not a Closing Disclosure.