Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$325,350Cash toward the purchase price.
Closing costs + prepaids$10,493Not just lender fees.
Before credits & paid funds$335,843The complete starting cash picture.
Estimated remaining funds due at closing
$335,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,349.86
Your down payment$325,349.86
Closing costs + prepaids$10,492.73
Total buyer cash needed$335,842.59
Remaining funds due$335,842.59
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$518.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$145.25
Prepaid interest, first (28 days)$321.23
Fees + prepaids$10,492.73
Your down payment is the seller’s equity. You take over the $103,650 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $335,842.59 is due at closing. Uses and sources reconcile at $439,492.73 each. Not a Closing Disclosure.