Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$386,096Cash toward the purchase price.
Closing costs + prepaids$10,562Not just lender fees.
Before credits & paid funds$396,658The complete starting cash picture.
Estimated remaining funds due at closing
$396,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,095.84
Your down payment$386,095.84
Closing costs + prepaids$10,562.35
Total buyer cash needed$396,658.18
Remaining funds due$396,658.18
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$319.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.50
Initial HOA (3 months)$87.00
Prepaid interest, first (2 days)$13.34
Fees + prepaids$10,562.35
Your down payment is the seller’s equity. You take over the $63,903 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $396,658.18 is due at closing. Uses and sources reconcile at $460,561.35 each. Not a Closing Disclosure.