Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$294,233Cash toward the purchase price.
Closing costs + prepaids$11,008Not just lender fees.
Before credits & paid funds$305,241The complete starting cash picture.
Estimated remaining funds due at closing
$305,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,233.05
Your down payment$294,233.05
Closing costs + prepaids$11,008.04
Total buyer cash needed$305,241.09
Remaining funds due$305,241.09
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$603.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$581.25
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$274.95
Fees + prepaids$11,008.04
Your down payment is the seller’s equity. You take over the $120,767 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $305,241.09 is due at closing. Uses and sources reconcile at $426,008.04 each. Not a Closing Disclosure.