Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$342,460Cash toward the purchase price.
Closing costs + prepaids$11,579Not just lender fees.
Before credits & paid funds$354,040The complete starting cash picture.
Estimated remaining funds due at closing
$354,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,460.24
Your down payment$342,460.24
Closing costs + prepaids$11,579.49
Total buyer cash needed$354,039.73
Remaining funds due$354,039.73
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$487.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.75
Initial HOA (3 months)$660.00
Prepaid interest, first (31 days)$304.55
Fees + prepaids$11,579.49
Your down payment is the seller’s equity. You take over the $97,440 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $354,039.73 is due at closing. Uses and sources reconcile at $451,479.49 each. Not a Closing Disclosure.