Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$344,826Cash toward the purchase price.
Closing costs + prepaids$14,337Not just lender fees.
Before credits & paid funds$359,163The complete starting cash picture.
Estimated remaining funds due at closing
$359,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,825.94
Your down payment$344,825.94
Closing costs + prepaids$14,337.46
Total buyer cash needed$359,163.40
Remaining funds due$359,163.40
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$725.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,225.00
Initial HOA (3 months)$1,020.00
Prepaid interest, first (31 days)$998.59
Fees + prepaids$14,337.46
Your down payment is the seller’s equity. You take over the $145,174 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $359,163.40 is due at closing. Uses and sources reconcile at $504,337.46 each. Not a Closing Disclosure.