Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$312,196Cash toward the purchase price.
Closing costs + prepaids$11,603Not just lender fees.
Before credits & paid funds$323,799The complete starting cash picture.
Estimated remaining funds due at closing
$323,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,196.27
Your down payment$312,196.27
Closing costs + prepaids$11,603.05
Total buyer cash needed$323,799.32
Remaining funds due$323,799.32
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%)$4,179.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$528.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,312.50
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$265.04
Fees + prepaids$11,603.05
Your down payment is the seller’s equity. You take over the $105,704 balance, so the rest of the $417,900 price is paid at closing. A second mortgage can cover part of it. $323,799.32 is due at closing. Uses and sources reconcile at $429,503.05 each. Not a Closing Disclosure.