Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$269,175Cash toward the purchase price.
Closing costs + prepaids$10,535Not just lender fees.
Before credits & paid funds$279,711The complete starting cash picture.
Estimated remaining funds due at closing
$279,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,175.49
Your down payment$269,175.49
Closing costs + prepaids$10,535.48
Total buyer cash needed$279,710.97
Remaining funds due$279,710.97
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$754.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$351.75
Prepaid interest, first (1 days)$11.61
Fees + prepaids$10,535.48
Your down payment is the seller’s equity. You take over the $150,825 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $279,710.97 is due at closing. Uses and sources reconcile at $430,535.48 each. Not a Closing Disclosure.