Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$328,315Cash toward the purchase price.
Closing costs + prepaids$10,377Not just lender fees.
Before credits & paid funds$338,692The complete starting cash picture.
Estimated remaining funds due at closing
$338,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,314.64
Your down payment$328,314.64
Closing costs + prepaids$10,377.06
Total buyer cash needed$338,691.70
Remaining funds due$338,691.70
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%)$4,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$398.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.25
Prepaid interest, first (29 days)$244.38
Fees + prepaids$10,377.06
Your down payment is the seller’s equity. You take over the $79,685 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $338,691.70 is due at closing. Uses and sources reconcile at $418,377.06 each. Not a Closing Disclosure.