Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$303,619Cash toward the purchase price.
Closing costs + prepaids$9,893Not just lender fees.
Before credits & paid funds$313,512The complete starting cash picture.
Estimated remaining funds due at closing
$313,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,618.96
Your down payment$303,618.96
Closing costs + prepaids$9,893.32
Total buyer cash needed$313,512.28
Remaining funds due$313,512.28
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%)$3,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$451.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$274.50
Prepaid interest, first (1 days)$8.91
Fees + prepaids$9,893.32
Your down payment is the seller’s equity. You take over the $90,381 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $313,512.28 is due at closing. Uses and sources reconcile at $403,893.32 each. Not a Closing Disclosure.