Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$316,673Cash toward the purchase price.
Closing costs + prepaids$10,116Not just lender fees.
Before credits & paid funds$326,789The complete starting cash picture.
Estimated remaining funds due at closing
$326,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,673.18
Your down payment$316,673.18
Closing costs + prepaids$10,115.81
Total buyer cash needed$326,789.00
Remaining funds due$326,789.00
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$411.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$323.00
Prepaid interest, first (22 days)$173.18
Fees + prepaids$10,115.81
Your down payment is the seller’s equity. You take over the $82,327 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $326,789.00 is due at closing. Uses and sources reconcile at $409,115.81 each. Not a Closing Disclosure.