Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$331,393Cash toward the purchase price.
Closing costs + prepaids$10,131Not just lender fees.
Before credits & paid funds$341,524The complete starting cash picture.
Estimated remaining funds due at closing
$341,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,393.37
Your down payment$331,393.37
Closing costs + prepaids$10,130.97
Total buyer cash needed$341,524.34
Remaining funds due$341,524.34
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%)$4,079.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$382.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$273.75
Initial HOA (3 months)$52.26
Prepaid interest, first (22 days)$125.43
Fees + prepaids$10,130.97
Your down payment is the seller’s equity. You take over the $76,507 balance, so the rest of the $407,900 price is paid at closing. A second mortgage can cover part of it. $341,524.34 is due at closing. Uses and sources reconcile at $418,030.97 each. Not a Closing Disclosure.