Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$325,337Cash toward the purchase price.
Closing costs + prepaids$10,110Not just lender fees.
Before credits & paid funds$335,447The complete starting cash picture.
Estimated remaining funds due at closing
$335,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,336.80
Your down payment$325,336.80
Closing costs + prepaids$10,109.90
Total buyer cash needed$335,446.70
Remaining funds due$335,446.70
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$372.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$74.25
Initial HOA (3 months)$85.50
Prepaid interest, first (31 days)$360.33
Fees + prepaids$10,109.90
Your down payment is the seller’s equity. You take over the $74,563 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $335,446.70 is due at closing. Uses and sources reconcile at $410,009.90 each. Not a Closing Disclosure.