Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$392,313Cash toward the purchase price.
Closing costs + prepaids$10,248Not just lender fees.
Before credits & paid funds$402,562The complete starting cash picture.
Estimated remaining funds due at closing
$402,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,313.22
Your down payment$392,313.22
Closing costs + prepaids$10,248.31
Total buyer cash needed$402,561.53
Remaining funds due$402,561.53
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%)$4,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$158.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.00
Initial HOA (3 months)$229.26
Prepaid interest, first (1 days)$2.61
Fees + prepaids$10,248.31
Your down payment is the seller’s equity. You take over the $31,687 balance, so the rest of the $424,000 price is paid at closing. A second mortgage can cover part of it. $402,561.53 is due at closing. Uses and sources reconcile at $434,248.31 each. Not a Closing Disclosure.