Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$368,262Cash toward the purchase price.
Closing costs + prepaids$11,024Not just lender fees.
Before credits & paid funds$379,286The complete starting cash picture.
Estimated remaining funds due at closing
$379,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,262.00
Your down payment$368,262.00
Closing costs + prepaids$11,023.85
Total buyer cash needed$379,285.85
Remaining funds due$379,285.85
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$308.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.00
Prepaid interest, first (23 days)$122.16
Fees + prepaids$11,023.85
Your down payment is the seller’s equity. You take over the $61,738 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $379,285.85 is due at closing. Uses and sources reconcile at $441,023.85 each. Not a Closing Disclosure.