Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$300,506Cash toward the purchase price.
Closing costs + prepaids$11,768Not just lender fees.
Before credits & paid funds$312,274The complete starting cash picture.
Estimated remaining funds due at closing
$312,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,505.75
Your down payment$300,505.75
Closing costs + prepaids$11,768.44
Total buyer cash needed$312,274.19
Remaining funds due$312,274.19
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$596.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,237.75
Initial HOA (3 months)$45.00
Prepaid interest, first (23 days)$471.72
Fees + prepaids$11,768.44
Your down payment is the seller’s equity. You take over the $119,394 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $312,274.19 is due at closing. Uses and sources reconcile at $431,668.44 each. Not a Closing Disclosure.