Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$333,910Cash toward the purchase price.
Closing costs + prepaids$10,714Not just lender fees.
Before credits & paid funds$344,623The complete starting cash picture.
Estimated remaining funds due at closing
$344,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,909.51
Your down payment$333,909.51
Closing costs + prepaids$10,713.70
Total buyer cash needed$344,623.21
Remaining funds due$344,623.21
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$480.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.75
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$197.50
Fees + prepaids$10,713.70
Your down payment is the seller’s equity. You take over the $96,090 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $344,623.21 is due at closing. Uses and sources reconcile at $440,713.70 each. Not a Closing Disclosure.