Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$337,138Cash toward the purchase price.
Closing costs + prepaids$11,576Not just lender fees.
Before credits & paid funds$348,715The complete starting cash picture.
Estimated remaining funds due at closing
$348,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,138.34
Your down payment$337,138.34
Closing costs + prepaids$11,576.31
Total buyer cash needed$348,714.65
Remaining funds due$348,714.65
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%)$4,488.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$558.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$871.25
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$290.75
Fees + prepaids$11,576.31
Your down payment is the seller’s equity. You take over the $111,662 balance, so the rest of the $448,800 price is paid at closing. A second mortgage can cover part of it. $348,714.65 is due at closing. Uses and sources reconcile at $460,376.31 each. Not a Closing Disclosure.