Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$341,781Cash toward the purchase price.
Closing costs + prepaids$10,733Not just lender fees.
Before credits & paid funds$352,514The complete starting cash picture.
Estimated remaining funds due at closing
$352,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,780.64
Your down payment$341,780.64
Closing costs + prepaids$10,733.19
Total buyer cash needed$352,513.83
Remaining funds due$352,513.83
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$436.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.50
Prepaid interest, first (30 days)$322.59
Fees + prepaids$10,733.19
Your down payment is the seller’s equity. You take over the $87,219 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $352,513.83 is due at closing. Uses and sources reconcile at $439,733.19 each. Not a Closing Disclosure.