Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$279,953Cash toward the purchase price.
Closing costs + prepaids$10,595Not just lender fees.
Before credits & paid funds$290,548The complete starting cash picture.
Estimated remaining funds due at closing
$290,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,952.91
Your down payment$279,952.91
Closing costs + prepaids$10,595.08
Total buyer cash needed$290,547.99
Remaining funds due$290,547.99
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$745.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Prepaid interest, first (1 days)$11.84
Fees + prepaids$10,595.08
Your down payment is the seller’s equity. You take over the $149,047 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $290,547.99 is due at closing. Uses and sources reconcile at $439,595.08 each. Not a Closing Disclosure.