Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$395,382Cash toward the purchase price.
Closing costs + prepaids$10,589Not just lender fees.
Before credits & paid funds$405,971The complete starting cash picture.
Estimated remaining funds due at closing
$405,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,382.13
Your down payment$395,382.13
Closing costs + prepaids$10,589.12
Total buyer cash needed$405,971.25
Remaining funds due$405,971.25
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$123.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$911.25
Prepaid interest, first (30 days)$136.78
Fees + prepaids$10,589.12
Your down payment is the seller’s equity. You take over the $24,618 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $405,971.25 is due at closing. Uses and sources reconcile at $430,589.12 each. Not a Closing Disclosure.