Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$246,172Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$256,674The complete starting cash picture.
Estimated remaining funds due at closing
$256,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,171.53
Your down payment$246,171.53
Closing costs + prepaids$10,502.16
Total buyer cash needed$256,673.69
Remaining funds due$256,673.69
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$814.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$353.25
Prepaid interest, first (2 days)$26.77
Fees + prepaids$10,502.16
Your down payment is the seller’s equity. You take over the $162,828 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $256,673.69 is due at closing. Uses and sources reconcile at $419,502.16 each. Not a Closing Disclosure.