Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$382,105Cash toward the purchase price.
Closing costs + prepaids$10,798Not just lender fees.
Before credits & paid funds$392,904The complete starting cash picture.
Estimated remaining funds due at closing
$392,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,105.40
Your down payment$382,105.40
Closing costs + prepaids$10,798.14
Total buyer cash needed$392,903.54
Remaining funds due$392,903.54
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%)$239.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$844.50
Prepaid interest, first (25 days)$196.17
Fees + prepaids$10,798.14
Your down payment is the seller’s equity. You take over the $47,895 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $392,903.54 is due at closing. Uses and sources reconcile at $440,798.14 each. Not a Closing Disclosure.