Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$302,425Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$313,525The complete starting cash picture.
Estimated remaining funds due at closing
$313,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,424.60
Your down payment$302,424.60
Closing costs + prepaids$11,100.49
Total buyer cash needed$313,525.09
Remaining funds due$313,525.09
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$662.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.25
Initial HOA (3 months)$258.00
Prepaid interest, first (26 days)$350.36
Fees + prepaids$11,100.49
Your down payment is the seller’s equity. You take over the $132,575 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $313,525.09 is due at closing. Uses and sources reconcile at $446,100.49 each. Not a Closing Disclosure.