Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$308,368Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$319,157The complete starting cash picture.
Estimated remaining funds due at closing
$319,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,368.15
Your down payment$308,368.15
Closing costs + prepaids$10,789.08
Total buyer cash needed$319,157.23
Remaining funds due$319,157.23
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$382.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.25
Initial HOA (3 months)$17.76
Prepaid interest, first (26 days)$246.41
Fees + prepaids$10,789.08
Your down payment is the seller’s equity. You take over the $76,532 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $319,157.23 is due at closing. Uses and sources reconcile at $395,689.08 each. Not a Closing Disclosure.