Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$393,226Cash toward the purchase price.
Closing costs + prepaids$10,486Not just lender fees.
Before credits & paid funds$403,712The complete starting cash picture.
Estimated remaining funds due at closing
$403,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,226.50
Your down payment$393,226.50
Closing costs + prepaids$10,485.80
Total buyer cash needed$403,712.30
Remaining funds due$403,712.30
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%)$4,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$221.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.75
Prepaid interest, first (1 days)$8.68
Fees + prepaids$10,485.80
Your down payment is the seller’s equity. You take over the $44,274 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $403,712.30 is due at closing. Uses and sources reconcile at $447,985.80 each. Not a Closing Disclosure.