Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$313,752Cash toward the purchase price.
Closing costs + prepaids$10,993Not just lender fees.
Before credits & paid funds$324,745The complete starting cash picture.
Estimated remaining funds due at closing
$324,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,752.34
Your down payment$313,752.34
Closing costs + prepaids$10,992.99
Total buyer cash needed$324,745.33
Remaining funds due$324,745.33
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%)$4,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$605.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.00
Initial HOA (3 months)$11.49
Prepaid interest, first (30 days)$288.76
Fees + prepaids$10,992.99
Your down payment is the seller’s equity. You take over the $121,148 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $324,745.33 is due at closing. Uses and sources reconcile at $445,892.99 each. Not a Closing Disclosure.