Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$408,534Cash toward the purchase price.
Closing costs + prepaids$10,230Not just lender fees.
Before credits & paid funds$418,764The complete starting cash picture.
Estimated remaining funds due at closing
$418,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,534.18
Your down payment$408,534.18
Closing costs + prepaids$10,230.26
Total buyer cash needed$418,764.44
Remaining funds due$418,764.44
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$132.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$409.75
Initial HOA (3 months)$8.76
Prepaid interest, first (26 days)$111.42
Fees + prepaids$10,230.26
Your down payment is the seller’s equity. You take over the $26,466 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $418,764.44 is due at closing. Uses and sources reconcile at $445,230.26 each. Not a Closing Disclosure.