Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$299,879Cash toward the purchase price.
Closing costs + prepaids$11,341Not just lender fees.
Before credits & paid funds$311,220The complete starting cash picture.
Estimated remaining funds due at closing
$311,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,878.60
Your down payment$299,878.60
Closing costs + prepaids$11,341.09
Total buyer cash needed$311,219.69
Remaining funds due$311,219.69
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$600.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,237.75
Initial HOA (3 months)$45.00
Prepaid interest, first (2 days)$41.23
Fees + prepaids$11,341.09
Your down payment is the seller’s equity. You take over the $120,021 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $311,219.69 is due at closing. Uses and sources reconcile at $431,241.09 each. Not a Closing Disclosure.