Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$387,279Cash toward the purchase price.
Closing costs + prepaids$11,772Not just lender fees.
Before credits & paid funds$399,051The complete starting cash picture.
Estimated remaining funds due at closing
$399,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,278.63
Your down payment$387,278.63
Closing costs + prepaids$11,771.93
Total buyer cash needed$399,050.56
Remaining funds due$399,050.56
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$338.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$993.25
Initial HOA (3 months)$414.99
Prepaid interest, first (1 days)$7.09
Fees + prepaids$11,771.93
Your down payment is the seller’s equity. You take over the $67,721 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $399,050.56 is due at closing. Uses and sources reconcile at $466,771.93 each. Not a Closing Disclosure.