Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$309,702Cash toward the purchase price.
Closing costs + prepaids$9,909Not just lender fees.
Before credits & paid funds$319,611The complete starting cash picture.
Estimated remaining funds due at closing
$319,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,701.89
Your down payment$309,701.89
Closing costs + prepaids$9,909.36
Total buyer cash needed$319,611.24
Remaining funds due$319,611.24
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$426.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.75
Prepaid interest, first (2 days)$14.12
Fees + prepaids$9,909.36
Your down payment is the seller’s equity. You take over the $85,298 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $319,611.24 is due at closing. Uses and sources reconcile at $404,909.36 each. Not a Closing Disclosure.