Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$389,967Cash toward the purchase price.
Closing costs + prepaids$12,659Not just lender fees.
Before credits & paid funds$402,626The complete starting cash picture.
Estimated remaining funds due at closing
$402,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,967.34
Your down payment$389,967.34
Closing costs + prepaids$12,659.03
Total buyer cash needed$402,626.38
Remaining funds due$402,626.38
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$595.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$951.75
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$14.12
Fees + prepaids$12,659.03
Your down payment is the seller’s equity. You take over the $119,033 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $402,626.38 is due at closing. Uses and sources reconcile at $521,659.03 each. Not a Closing Disclosure.