Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$320,423Cash toward the purchase price.
Closing costs + prepaids$10,872Not just lender fees.
Before credits & paid funds$331,296The complete starting cash picture.
Estimated remaining funds due at closing
$331,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,423.36
Your down payment$320,423.36
Closing costs + prepaids$10,872.30
Total buyer cash needed$331,295.67
Remaining funds due$331,295.67
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$397.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$999.75
Initial HOA (3 months)$72.00
Prepaid interest, first (25 days)$186.17
Fees + prepaids$10,872.30
Your down payment is the seller’s equity. You take over the $79,477 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $331,295.67 is due at closing. Uses and sources reconcile at $410,772.30 each. Not a Closing Disclosure.