Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$334,126Cash toward the purchase price.
Closing costs + prepaids$10,239Not just lender fees.
Before credits & paid funds$344,364The complete starting cash picture.
Estimated remaining funds due at closing
$344,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,125.73
Your down payment$334,125.73
Closing costs + prepaids$10,238.53
Total buyer cash needed$344,364.26
Remaining funds due$344,364.26
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%)$4,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$391.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$337.25
Prepaid interest, first (31 days)$166.41
Fees + prepaids$10,238.53
Your down payment is the seller’s equity. You take over the $78,374 balance, so the rest of the $412,500 price is paid at closing. A second mortgage can cover part of it. $344,364.26 is due at closing. Uses and sources reconcile at $422,738.53 each. Not a Closing Disclosure.