Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$127,851Cash toward the purchase price.
Closing costs + prepaids$11,629Not just lender fees.
Before credits & paid funds$139,481The complete starting cash picture.
Estimated remaining funds due at closing
$139,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,851.28
Your down payment$127,851.28
Closing costs + prepaids$11,629.35
Total buyer cash needed$139,480.63
Remaining funds due$139,480.63
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%)$1,410.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$855.00
Prepaid interest, first (2 days)$45.61
Fees + prepaids$11,629.35
Your down payment is the seller’s equity. You take over the $282,149 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $139,480.63 is due at closing. Uses and sources reconcile at $421,629.35 each. Not a Closing Disclosure.