Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$302,427Cash toward the purchase price.
Closing costs + prepaids$10,985Not just lender fees.
Before credits & paid funds$313,412The complete starting cash picture.
Estimated remaining funds due at closing
$313,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,426.63
Your down payment$302,426.63
Closing costs + prepaids$10,984.92
Total buyer cash needed$313,411.54
Remaining funds due$313,411.54
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$637.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.50
Initial HOA (3 months)$414.00
Prepaid interest, first (1 days)$12.05
Fees + prepaids$10,984.92
Your down payment is the seller’s equity. You take over the $127,473 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $313,411.54 is due at closing. Uses and sources reconcile at $440,884.92 each. Not a Closing Disclosure.