Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$323,179Cash toward the purchase price.
Closing costs + prepaids$10,151Not just lender fees.
Before credits & paid funds$333,330The complete starting cash picture.
Estimated remaining funds due at closing
$333,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,178.86
Your down payment$323,178.86
Closing costs + prepaids$10,151.28
Total buyer cash needed$333,330.14
Remaining funds due$333,330.14
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$409.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$245.75
Initial HOA (3 months)$12.51
Prepaid interest, first (28 days)$215.92
Fees + prepaids$10,151.28
Your down payment is the seller’s equity. You take over the $81,821 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $333,330.14 is due at closing. Uses and sources reconcile at $415,151.28 each. Not a Closing Disclosure.