Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$350,652Cash toward the purchase price.
Closing costs + prepaids$11,443Not just lender fees.
Before credits & paid funds$362,095The complete starting cash picture.
Estimated remaining funds due at closing
$362,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,652.13
Your down payment$350,652.13
Closing costs + prepaids$11,442.93
Total buyer cash needed$362,095.06
Remaining funds due$362,095.06
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$691.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$372.50
Prepaid interest, first (2 days)$20.70
Fees + prepaids$11,442.93
Your down payment is the seller’s equity. You take over the $138,348 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $362,095.06 is due at closing. Uses and sources reconcile at $500,442.93 each. Not a Closing Disclosure.