Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$310,720Cash toward the purchase price.
Closing costs + prepaids$14,873Not just lender fees.
Before credits & paid funds$325,593The complete starting cash picture.
Estimated remaining funds due at closing
$325,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,720.28
Your down payment$310,720.28
Closing costs + prepaids$14,872.59
Total buyer cash needed$325,592.87
Remaining funds due$325,592.87
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$795.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,013.25
Initial HOA (3 months)$2,595.00
Prepaid interest, first (24 days)$301.44
Fees + prepaids$14,872.59
Your down payment is the seller’s equity. You take over the $159,180 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $325,592.87 is due at closing. Uses and sources reconcile at $484,772.59 each. Not a Closing Disclosure.