Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$289,201Cash toward the purchase price.
Closing costs + prepaids$13,978Not just lender fees.
Before credits & paid funds$303,179The complete starting cash picture.
Estimated remaining funds due at closing
$303,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,200.99
Your down payment$289,200.99
Closing costs + prepaids$13,977.98
Total buyer cash needed$303,178.98
Remaining funds due$303,178.98
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$604.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,980.50
Initial HOA (3 months)$1,809.00
Prepaid interest, first (22 days)$266.49
Fees + prepaids$13,977.98
Your down payment is the seller’s equity. You take over the $120,799 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $303,178.98 is due at closing. Uses and sources reconcile at $423,977.98 each. Not a Closing Disclosure.