Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$313,861Cash toward the purchase price.
Closing costs + prepaids$10,587Not just lender fees.
Before credits & paid funds$324,448The complete starting cash picture.
Estimated remaining funds due at closing
$324,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,860.89
Your down payment$313,860.89
Closing costs + prepaids$10,586.69
Total buyer cash needed$324,447.58
Remaining funds due$324,447.58
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$480.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.75
Initial HOA (3 months)$135.00
Prepaid interest, first (30 days)$270.24
Fees + prepaids$10,586.69
Your down payment is the seller’s equity. You take over the $96,139 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $324,447.58 is due at closing. Uses and sources reconcile at $420,586.69 each. Not a Closing Disclosure.