Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$410,271Cash toward the purchase price.
Closing costs + prepaids$10,249Not just lender fees.
Before credits & paid funds$420,520The complete starting cash picture.
Estimated remaining funds due at closing
$420,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,270.97
Your down payment$410,270.97
Closing costs + prepaids$10,248.66
Total buyer cash needed$420,519.62
Remaining funds due$420,519.62
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$148.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.75
Initial HOA (3 months)$120.00
Prepaid interest, first (2 days)$12.76
Fees + prepaids$10,248.66
Your down payment is the seller’s equity. You take over the $29,629 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $420,519.62 is due at closing. Uses and sources reconcile at $450,148.66 each. Not a Closing Disclosure.