Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$332,969Cash toward the purchase price.
Closing costs + prepaids$10,918Not just lender fees.
Before credits & paid funds$343,887The complete starting cash picture.
Estimated remaining funds due at closing
$343,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,969.20
Your down payment$332,969.20
Closing costs + prepaids$10,917.77
Total buyer cash needed$343,886.97
Remaining funds due$343,886.97
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%)$410.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$72.00
Prepaid interest, first (2 days)$30.12
Fees + prepaids$10,917.77
Your down payment is the seller’s equity. You take over the $82,031 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $343,886.97 is due at closing. Uses and sources reconcile at $425,917.77 each. Not a Closing Disclosure.