Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$326,635Cash toward the purchase price.
Closing costs + prepaids$10,473Not just lender fees.
Before credits & paid funds$337,108The complete starting cash picture.
Estimated remaining funds due at closing
$337,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,634.70
Your down payment$326,634.70
Closing costs + prepaids$10,473.03
Total buyer cash needed$337,107.74
Remaining funds due$337,107.74
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$466.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.00
Initial HOA (3 months)$222.00
Prepaid interest, first (1 days)$10.21
Fees + prepaids$10,473.03
Your down payment is the seller’s equity. You take over the $93,365 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $337,107.74 is due at closing. Uses and sources reconcile at $430,473.03 each. Not a Closing Disclosure.