Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$304,971Cash toward the purchase price.
Closing costs + prepaids$13,468Not just lender fees.
Before credits & paid funds$318,439The complete starting cash picture.
Estimated remaining funds due at closing
$318,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,970.69
Your down payment$304,970.69
Closing costs + prepaids$13,468.35
Total buyer cash needed$318,439.04
Remaining funds due$318,439.04
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$525.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,025.00
Initial HOA (3 months)$2,277.00
Prepaid interest, first (27 days)$323.20
Fees + prepaids$13,468.35
Your down payment is the seller’s equity. You take over the $105,029 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $318,439.04 is due at closing. Uses and sources reconcile at $423,468.35 each. Not a Closing Disclosure.