Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$338,125Cash toward the purchase price.
Closing costs + prepaids$12,158Not just lender fees.
Before credits & paid funds$350,283The complete starting cash picture.
Estimated remaining funds due at closing
$350,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,125.48
Your down payment$338,125.48
Closing costs + prepaids$12,157.85
Total buyer cash needed$350,283.33
Remaining funds due$350,283.33
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$508.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,728.75
Prepaid interest, first (25 days)$303.23
Fees + prepaids$12,157.85
Your down payment is the seller’s equity. You take over the $101,775 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $350,283.33 is due at closing. Uses and sources reconcile at $452,057.85 each. Not a Closing Disclosure.