Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$365,194Cash toward the purchase price.
Closing costs + prepaids$10,839Not just lender fees.
Before credits & paid funds$376,033The complete starting cash picture.
Estimated remaining funds due at closing
$376,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,193.85
Your down payment$365,193.85
Closing costs + prepaids$10,839.48
Total buyer cash needed$376,033.33
Remaining funds due$376,033.33
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$474.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$287.50
Prepaid interest, first (1 days)$9.95
Fees + prepaids$10,839.48
Your down payment is the seller’s equity. You take over the $94,806 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $376,033.33 is due at closing. Uses and sources reconcile at $470,839.48 each. Not a Closing Disclosure.