Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$304,056Cash toward the purchase price.
Closing costs + prepaids$11,143Not just lender fees.
Before credits & paid funds$315,200The complete starting cash picture.
Estimated remaining funds due at closing
$315,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,056.42
Your down payment$304,056.42
Closing costs + prepaids$11,143.17
Total buyer cash needed$315,199.59
Remaining funds due$315,199.59
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$554.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,040.50
Prepaid interest, first (25 days)$181.45
Fees + prepaids$11,143.17
Your down payment is the seller’s equity. You take over the $110,844 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $315,199.59 is due at closing. Uses and sources reconcile at $426,043.17 each. Not a Closing Disclosure.