Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$335,323Cash toward the purchase price.
Closing costs + prepaids$11,519Not just lender fees.
Before credits & paid funds$346,843The complete starting cash picture.
Estimated remaining funds due at closing
$346,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,323.24
Your down payment$335,323.24
Closing costs + prepaids$11,519.32
Total buyer cash needed$346,842.56
Remaining funds due$346,842.56
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$573.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$613.75
Initial HOA (3 months)$375.00
Prepaid interest, first (23 days)$239.19
Fees + prepaids$11,519.32
Your down payment is the seller’s equity. You take over the $114,677 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $346,842.56 is due at closing. Uses and sources reconcile at $461,519.32 each. Not a Closing Disclosure.