Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$382,789Cash toward the purchase price.
Closing costs + prepaids$11,410Not just lender fees.
Before credits & paid funds$394,199The complete starting cash picture.
Estimated remaining funds due at closing
$394,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,789.13
Your down payment$382,789.13
Closing costs + prepaids$11,409.58
Total buyer cash needed$394,198.71
Remaining funds due$394,198.71
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$411.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$375.75
Initial HOA (3 months)$494.01
Prepaid interest, first (2 days)$10.77
Fees + prepaids$11,409.58
Your down payment is the seller’s equity. You take over the $82,211 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $394,198.71 is due at closing. Uses and sources reconcile at $476,409.58 each. Not a Closing Disclosure.