Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$330,844Cash toward the purchase price.
Closing costs + prepaids$10,926Not just lender fees.
Before credits & paid funds$341,770The complete starting cash picture.
Estimated remaining funds due at closing
$341,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,844.30
Your down payment$330,844.30
Closing costs + prepaids$10,925.71
Total buyer cash needed$341,770.01
Remaining funds due$341,770.01
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$545.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.50
Prepaid interest, first (27 days)$371.43
Fees + prepaids$10,925.71
Your down payment is the seller’s equity. You take over the $109,156 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $341,770.01 is due at closing. Uses and sources reconcile at $450,925.71 each. Not a Closing Disclosure.