Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$315,779Cash toward the purchase price.
Closing costs + prepaids$10,687Not just lender fees.
Before credits & paid funds$326,467The complete starting cash picture.
Estimated remaining funds due at closing
$326,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,779.01
Your down payment$315,779.01
Closing costs + prepaids$10,687.50
Total buyer cash needed$326,466.51
Remaining funds due$326,466.51
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$570.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.50
Initial HOA (3 months)$165.00
Prepaid interest, first (2 days)$34.39
Fees + prepaids$10,687.50
Your down payment is the seller’s equity. You take over the $114,121 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $326,466.51 is due at closing. Uses and sources reconcile at $440,587.50 each. Not a Closing Disclosure.