Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$370,937Cash toward the purchase price.
Closing costs + prepaids$19,194Not just lender fees.
Before credits & paid funds$390,130The complete starting cash picture.
Estimated remaining funds due at closing
$390,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,936.65
Your down payment$370,936.65
Closing costs + prepaids$19,193.50
Total buyer cash needed$390,130.15
Remaining funds due$390,130.15
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,645.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.75
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$188.43
Fees + prepaids$19,193.50
Your down payment is the seller’s equity. You take over the $529,063 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $390,130.15 is due at closing. Uses and sources reconcile at $919,193.50 each. Not a Closing Disclosure.