Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$328,018Cash toward the purchase price.
Closing costs + prepaids$10,993Not just lender fees.
Before credits & paid funds$339,010The complete starting cash picture.
Estimated remaining funds due at closing
$339,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,017.53
Your down payment$328,017.53
Closing costs + prepaids$10,992.97
Total buyer cash needed$339,010.50
Remaining funds due$339,010.50
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$654.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$267.25
Prepaid interest, first (1 days)$12.81
Fees + prepaids$10,992.97
Your down payment is the seller’s equity. You take over the $130,982 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $339,010.50 is due at closing. Uses and sources reconcile at $469,992.97 each. Not a Closing Disclosure.