Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,139Cash toward the purchase price.
Closing costs + prepaids$10,392Not just lender fees.
Before credits & paid funds$310,531The complete starting cash picture.
Estimated remaining funds due at closing
$310,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,138.88
Your down payment$300,138.88
Closing costs + prepaids$10,391.98
Total buyer cash needed$310,530.85
Remaining funds due$310,530.85
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%)$574.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$301.50
Initial HOA (3 months)$125.01
Prepaid interest, first (2 days)$23.16
Fees + prepaids$10,391.98
Your down payment is the seller’s equity. You take over the $114,861 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $310,530.85 is due at closing. Uses and sources reconcile at $425,391.98 each. Not a Closing Disclosure.