Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$332,239Cash toward the purchase price.
Closing costs + prepaids$11,685Not just lender fees.
Before credits & paid funds$343,923The complete starting cash picture.
Estimated remaining funds due at closing
$343,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,238.56
Your down payment$332,238.56
Closing costs + prepaids$11,684.55
Total buyer cash needed$343,923.12
Remaining funds due$343,923.12
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$588.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$546.00
Initial HOA (3 months)$460.50
Prepaid interest, first (31 days)$372.74
Fees + prepaids$11,684.55
Your down payment is the seller’s equity. You take over the $117,661 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $343,923.12 is due at closing. Uses and sources reconcile at $461,584.55 each. Not a Closing Disclosure.