Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$356,690Cash toward the purchase price.
Closing costs + prepaids$10,602Not just lender fees.
Before credits & paid funds$367,293The complete starting cash picture.
Estimated remaining funds due at closing
$367,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,690.45
Your down payment$356,690.45
Closing costs + prepaids$10,602.33
Total buyer cash needed$367,292.78
Remaining funds due$367,292.78
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$366.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.50
Initial HOA (3 months)$48.00
Prepaid interest, first (30 days)$202.78
Fees + prepaids$10,602.33
Your down payment is the seller’s equity. You take over the $73,210 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $367,292.78 is due at closing. Uses and sources reconcile at $440,502.33 each. Not a Closing Disclosure.