Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$409,410Cash toward the purchase price.
Closing costs + prepaids$10,222Not just lender fees.
Before credits & paid funds$419,632The complete starting cash picture.
Estimated remaining funds due at closing
$419,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,409.73
Your down payment$409,409.73
Closing costs + prepaids$10,221.95
Total buyer cash needed$419,631.68
Remaining funds due$419,631.68
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$102.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.00
Initial HOA (3 months)$60.00
Prepaid interest, first (30 days)$64.50
Fees + prepaids$10,221.95
Your down payment is the seller’s equity. You take over the $20,490 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $419,631.68 is due at closing. Uses and sources reconcile at $440,121.95 each. Not a Closing Disclosure.