Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$332,349Cash toward the purchase price.
Closing costs + prepaids$10,295Not just lender fees.
Before credits & paid funds$342,644The complete starting cash picture.
Estimated remaining funds due at closing
$342,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,349.26
Your down payment$332,349.26
Closing costs + prepaids$10,294.55
Total buyer cash needed$342,643.81
Remaining funds due$342,643.81
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$338.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$446.75
Prepaid interest, first (26 days)$291.55
Fees + prepaids$10,294.55
Your down payment is the seller’s equity. You take over the $67,651 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $342,643.81 is due at closing. Uses and sources reconcile at $410,294.55 each. Not a Closing Disclosure.