Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$328,212Cash toward the purchase price.
Closing costs + prepaids$11,601Not just lender fees.
Before credits & paid funds$339,814The complete starting cash picture.
Estimated remaining funds due at closing
$339,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,212.23
Your down payment$328,212.23
Closing costs + prepaids$11,601.34
Total buyer cash needed$339,813.57
Remaining funds due$339,813.57
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$703.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$445.75
Prepaid interest, first (23 days)$293.65
Fees + prepaids$11,601.34
Your down payment is the seller’s equity. You take over the $140,788 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $339,813.57 is due at closing. Uses and sources reconcile at $480,601.34 each. Not a Closing Disclosure.