Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$352,279Cash toward the purchase price.
Closing costs + prepaids$13,559Not just lender fees.
Before credits & paid funds$365,838The complete starting cash picture.
Estimated remaining funds due at closing
$365,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,278.78
Your down payment$352,278.78
Closing costs + prepaids$13,559.20
Total buyer cash needed$365,837.97
Remaining funds due$365,837.97
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$483.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.50
Initial HOA (3 months)$1,851.00
Prepaid interest, first (26 days)$394.09
Fees + prepaids$13,559.20
Your down payment is the seller’s equity. You take over the $96,721 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $365,837.97 is due at closing. Uses and sources reconcile at $462,559.20 each. Not a Closing Disclosure.