Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$365,369Cash toward the purchase price.
Closing costs + prepaids$10,494Not just lender fees.
Before credits & paid funds$375,863The complete starting cash picture.
Estimated remaining funds due at closing
$375,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,369.13
Your down payment$365,369.13
Closing costs + prepaids$10,494.16
Total buyer cash needed$375,863.29
Remaining funds due$375,863.29
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$198.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,012.50
Prepaid interest, first (2 days)$15.50
Fees + prepaids$10,494.16
Your down payment is the seller’s equity. You take over the $39,631 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $375,863.29 is due at closing. Uses and sources reconcile at $415,494.16 each. Not a Closing Disclosure.