Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$304,400Cash toward the purchase price.
Closing costs + prepaids$11,597Not just lender fees.
Before credits & paid funds$315,997The complete starting cash picture.
Estimated remaining funds due at closing
$315,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,399.80
Your down payment$304,399.80
Closing costs + prepaids$11,597.29
Total buyer cash needed$315,997.09
Remaining funds due$315,997.09
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%)$4,379.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$667.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,002.00
Initial HOA (3 months)$2.49
Prepaid interest, first (22 days)$328.30
Fees + prepaids$11,597.29
Your down payment is the seller’s equity. You take over the $133,500 balance, so the rest of the $437,900 price is paid at closing. A second mortgage can cover part of it. $315,997.09 is due at closing. Uses and sources reconcile at $449,497.29 each. Not a Closing Disclosure.