Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$271,100Cash toward the purchase price.
Closing costs + prepaids$10,373Not just lender fees.
Before credits & paid funds$281,473The complete starting cash picture.
Estimated remaining funds due at closing
$281,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,100.00
Your down payment$271,100.00
Closing costs + prepaids$10,373.27
Total buyer cash needed$281,473.27
Remaining funds due$281,473.27
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$644.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$276.50
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$9.27
Fees + prepaids$10,373.27
Your down payment is the seller’s equity. You take over the $128,900 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $281,473.27 is due at closing. Uses and sources reconcile at $410,373.27 each. Not a Closing Disclosure.