Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$325,927Cash toward the purchase price.
Closing costs + prepaids$12,417Not just lender fees.
Before credits & paid funds$338,344The complete starting cash picture.
Estimated remaining funds due at closing
$338,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,927.41
Your down payment$325,927.41
Closing costs + prepaids$12,417.08
Total buyer cash needed$338,344.49
Remaining funds due$338,344.49
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$315.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,428.75
Initial HOA (3 months)$1,425.00
Prepaid interest, first (25 days)$139.97
Fees + prepaids$12,417.08
Your down payment is the seller’s equity. You take over the $63,073 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $338,344.49 is due at closing. Uses and sources reconcile at $401,417.08 each. Not a Closing Disclosure.