Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$394,298Cash toward the purchase price.
Closing costs + prepaids$11,778Not just lender fees.
Before credits & paid funds$406,077The complete starting cash picture.
Estimated remaining funds due at closing
$406,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,298.39
Your down payment$394,298.39
Closing costs + prepaids$11,778.17
Total buyer cash needed$406,076.56
Remaining funds due$406,076.56
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$353.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$984.50
Initial HOA (3 months)$23.01
Prepaid interest, first (26 days)$299.15
Fees + prepaids$11,778.17
Your down payment is the seller’s equity. You take over the $70,702 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $406,076.56 is due at closing. Uses and sources reconcile at $476,778.17 each. Not a Closing Disclosure.