Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$335,560Cash toward the purchase price.
Closing costs + prepaids$10,506Not just lender fees.
Before credits & paid funds$346,066The complete starting cash picture.
Estimated remaining funds due at closing
$346,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,560.07
Your down payment$335,560.07
Closing costs + prepaids$10,505.62
Total buyer cash needed$346,065.70
Remaining funds due$346,065.70
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%)$472.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.50
Prepaid interest, first (23 days)$227.92
Fees + prepaids$10,505.62
Your down payment is the seller’s equity. You take over the $94,440 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $346,065.70 is due at closing. Uses and sources reconcile at $440,505.62 each. Not a Closing Disclosure.