Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$340,432Cash toward the purchase price.
Closing costs + prepaids$11,798Not just lender fees.
Before credits & paid funds$352,230The complete starting cash picture.
Estimated remaining funds due at closing
$352,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,431.82
Your down payment$340,431.82
Closing costs + prepaids$11,798.48
Total buyer cash needed$352,230.30
Remaining funds due$352,230.30
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%)$4,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$637.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$613.00
Initial HOA (3 months)$69.99
Prepaid interest, first (24 days)$329.65
Fees + prepaids$11,798.48
Your down payment is the seller’s equity. You take over the $127,568 balance, so the rest of the $468,000 price is paid at closing. A second mortgage can cover part of it. $352,230.30 is due at closing. Uses and sources reconcile at $479,798.48 each. Not a Closing Disclosure.