Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$421,955Cash toward the purchase price.
Closing costs + prepaids$10,097Not just lender fees.
Before credits & paid funds$432,052The complete starting cash picture.
Estimated remaining funds due at closing
$432,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,954.70
Your down payment$421,954.70
Closing costs + prepaids$10,097.21
Total buyer cash needed$432,051.91
Remaining funds due$432,051.91
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$65.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.00
Prepaid interest, first (2 days)$1.98
Fees + prepaids$10,097.21
Your down payment is the seller’s equity. You take over the $13,045 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $432,051.91 is due at closing. Uses and sources reconcile at $445,097.21 each. Not a Closing Disclosure.