Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$431,271Cash toward the purchase price.
Closing costs + prepaids$11,912Not just lender fees.
Before credits & paid funds$443,183The complete starting cash picture.
Estimated remaining funds due at closing
$443,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,271.02
Your down payment$431,271.02
Closing costs + prepaids$11,911.85
Total buyer cash needed$443,182.86
Remaining funds due$443,182.86
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$393.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$737.25
Initial HOA (3 months)$207.00
Prepaid interest, first (1 days)$5.95
Fees + prepaids$11,911.85
Your down payment is the seller’s equity. You take over the $78,729 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $443,182.86 is due at closing. Uses and sources reconcile at $521,911.85 each. Not a Closing Disclosure.