Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$342,812Cash toward the purchase price.
Closing costs + prepaids$11,390Not just lender fees.
Before credits & paid funds$354,202The complete starting cash picture.
Estimated remaining funds due at closing
$354,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,812.31
Your down payment$342,812.31
Closing costs + prepaids$11,389.74
Total buyer cash needed$354,202.05
Remaining funds due$354,202.05
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$485.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$744.75
Initial HOA (3 months)$58.50
Prepaid interest, first (27 days)$484.06
Fees + prepaids$11,389.74
Your down payment is the seller’s equity. You take over the $97,088 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $354,202.05 is due at closing. Uses and sources reconcile at $451,289.74 each. Not a Closing Disclosure.