Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$298,349Cash toward the purchase price.
Closing costs + prepaids$11,773Not just lender fees.
Before credits & paid funds$310,122The complete starting cash picture.
Estimated remaining funds due at closing
$310,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,348.61
Your down payment$298,348.61
Closing costs + prepaids$11,773.16
Total buyer cash needed$310,121.77
Remaining funds due$310,121.77
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$683.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.75
Initial HOA (3 months)$471.00
Prepaid interest, first (25 days)$363.16
Fees + prepaids$11,773.16
Your down payment is the seller’s equity. You take over the $136,651 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $310,121.77 is due at closing. Uses and sources reconcile at $446,773.16 each. Not a Closing Disclosure.