Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$323,268Cash toward the purchase price.
Closing costs + prepaids$11,462Not just lender fees.
Before credits & paid funds$334,730The complete starting cash picture.
Estimated remaining funds due at closing
$334,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,268.20
Your down payment$323,268.20
Closing costs + prepaids$11,462.13
Total buyer cash needed$334,730.33
Remaining funds due$334,730.33
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$658.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.50
Prepaid interest, first (24 days)$297.97
Fees + prepaids$11,462.13
Your down payment is the seller’s equity. You take over the $131,732 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $334,730.33 is due at closing. Uses and sources reconcile at $466,462.13 each. Not a Closing Disclosure.