Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$310,335Cash toward the purchase price.
Closing costs + prepaids$14,598Not just lender fees.
Before credits & paid funds$324,933The complete starting cash picture.
Estimated remaining funds due at closing
$324,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,335.19
Your down payment$310,335.19
Closing costs + prepaids$14,598.25
Total buyer cash needed$324,933.44
Remaining funds due$324,933.44
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$797.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,013.25
Initial HOA (3 months)$2,595.00
Prepaid interest, first (2 days)$25.18
Fees + prepaids$14,598.25
Your down payment is the seller’s equity. You take over the $159,565 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $324,933.44 is due at closing. Uses and sources reconcile at $484,498.25 each. Not a Closing Disclosure.