Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$428,067Cash toward the purchase price.
Closing costs + prepaids$11,769Not just lender fees.
Before credits & paid funds$439,836The complete starting cash picture.
Estimated remaining funds due at closing
$439,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,066.64
Your down payment$428,066.64
Closing costs + prepaids$11,769.32
Total buyer cash needed$439,835.95
Remaining funds due$439,835.95
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$434.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.50
Initial HOA (3 months)$105.00
Prepaid interest, first (2 days)$42.15
Fees + prepaids$11,769.32
Your down payment is the seller’s equity. You take over the $86,933 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $439,835.95 is due at closing. Uses and sources reconcile at $526,769.32 each. Not a Closing Disclosure.