Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$389,535Cash toward the purchase price.
Closing costs + prepaids$23,979Not just lender fees.
Before credits & paid funds$413,514The complete starting cash picture.
Estimated remaining funds due at closing
$413,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,534.88
Your down payment$389,534.88
Closing costs + prepaids$23,979.43
Total buyer cash needed$413,514.32
Remaining funds due$413,514.32
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%)$11,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,651.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,799.75
Prepaid interest, first (2 days)$110.86
Fees + prepaids$23,979.43
Your down payment is the seller’s equity. You take over the $730,365 balance, so the rest of the $1,119,900 price is paid at closing. A second mortgage can cover part of it. $413,514.32 is due at closing. Uses and sources reconcile at $1,143,879.43 each. Not a Closing Disclosure.