Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$310,301Cash toward the purchase price.
Closing costs + prepaids$12,325Not just lender fees.
Before credits & paid funds$322,626The complete starting cash picture.
Estimated remaining funds due at closing
$322,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,301.00
Your down payment$310,301.00
Closing costs + prepaids$12,324.90
Total buyer cash needed$322,625.89
Remaining funds due$322,625.89
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$548.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,017.25
Initial HOA (3 months)$795.00
Prepaid interest, first (28 days)$546.15
Fees + prepaids$12,324.90
Your down payment is the seller’s equity. You take over the $109,699 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $322,625.89 is due at closing. Uses and sources reconcile at $432,324.90 each. Not a Closing Disclosure.