Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$324,758Cash toward the purchase price.
Closing costs + prepaids$11,524Not just lender fees.
Before credits & paid funds$336,282The complete starting cash picture.
Estimated remaining funds due at closing
$336,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,758.10
Your down payment$324,758.10
Closing costs + prepaids$11,524.32
Total buyer cash needed$336,282.42
Remaining funds due$336,282.42
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%)$551.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.50
Initial HOA (3 months)$660.00
Prepaid interest, first (28 days)$292.61
Fees + prepaids$11,524.32
Your down payment is the seller’s equity. You take over the $110,242 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $336,282.42 is due at closing. Uses and sources reconcile at $446,524.32 each. Not a Closing Disclosure.