Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$315,456Cash toward the purchase price.
Closing costs + prepaids$10,487Not just lender fees.
Before credits & paid funds$325,942The complete starting cash picture.
Estimated remaining funds due at closing
$325,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,455.68
Your down payment$315,455.68
Closing costs + prepaids$10,486.50
Total buyer cash needed$325,942.19
Remaining funds due$325,942.19
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%)$3,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$382.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.75
Initial HOA (3 months)$350.01
Prepaid interest, first (26 days)$181.02
Fees + prepaids$10,486.50
Your down payment is the seller’s equity. You take over the $76,544 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $325,942.19 is due at closing. Uses and sources reconcile at $402,486.50 each. Not a Closing Disclosure.