Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$382,357Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$394,626The complete starting cash picture.
Estimated remaining funds due at closing
$394,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,357.18
Your down payment$382,357.18
Closing costs + prepaids$12,268.37
Total buyer cash needed$394,625.56
Remaining funds due$394,625.56
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$737.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.75
Initial HOA (3 months)$116.76
Prepaid interest, first (1 days)$14.15
Fees + prepaids$12,268.37
Your down payment is the seller’s equity. You take over the $147,543 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $394,625.56 is due at closing. Uses and sources reconcile at $542,168.37 each. Not a Closing Disclosure.