Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$409,532Cash toward the purchase price.
Closing costs + prepaids$11,215Not just lender fees.
Before credits & paid funds$420,748The complete starting cash picture.
Estimated remaining funds due at closing
$420,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,532.50
Your down payment$409,532.50
Closing costs + prepaids$11,215.07
Total buyer cash needed$420,747.56
Remaining funds due$420,747.56
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$502.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$133.25
Prepaid interest, first (1 days)$11.48
Fees + prepaids$11,215.07
Your down payment is the seller’s equity. You take over the $100,468 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $420,747.56 is due at closing. Uses and sources reconcile at $521,215.07 each. Not a Closing Disclosure.