Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$396,804Cash toward the purchase price.
Closing costs + prepaids$13,481Not just lender fees.
Before credits & paid funds$410,284The complete starting cash picture.
Estimated remaining funds due at closing
$410,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$396,803.61
Your down payment$396,803.61
Closing costs + prepaids$13,480.71
Total buyer cash needed$410,284.32
Remaining funds due$410,284.32
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%)$6,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,065.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.75
Prepaid interest, first (2 days)$37.48
Fees + prepaids$13,480.71
Your down payment is the seller’s equity. You take over the $213,096 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $410,284.32 is due at closing. Uses and sources reconcile at $623,380.71 each. Not a Closing Disclosure.