Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$412,002Cash toward the purchase price.
Closing costs + prepaids$11,581Not just lender fees.
Before credits & paid funds$423,582The complete starting cash picture.
Estimated remaining funds due at closing
$423,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$412,001.64
Your down payment$412,001.64
Closing costs + prepaids$11,580.69
Total buyer cash needed$423,582.33
Remaining funds due$423,582.33
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$189.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,654.75
Prepaid interest, first (2 days)$17.95
Fees + prepaids$11,580.69
Your down payment is the seller’s equity. You take over the $37,998 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $423,582.33 is due at closing. Uses and sources reconcile at $461,580.69 each. Not a Closing Disclosure.