Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$257,217Cash toward the purchase price.
Closing costs + prepaids$10,905Not just lender fees.
Before credits & paid funds$268,122The complete starting cash picture.
Estimated remaining funds due at closing
$268,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,216.88
Your down payment$257,216.88
Closing costs + prepaids$10,905.19
Total buyer cash needed$268,122.07
Remaining funds due$268,122.07
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$763.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.50
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$22.77
Fees + prepaids$10,905.19
Your down payment is the seller’s equity. You take over the $152,783 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $268,122.07 is due at closing. Uses and sources reconcile at $420,905.19 each. Not a Closing Disclosure.