Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$300,678Cash toward the purchase price.
Closing costs + prepaids$10,883Not just lender fees.
Before credits & paid funds$311,560The complete starting cash picture.
Estimated remaining funds due at closing
$311,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,677.56
Your down payment$300,677.56
Closing costs + prepaids$10,882.55
Total buyer cash needed$311,560.11
Remaining funds due$311,560.11
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$596.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$539.00
Prepaid interest, first (26 days)$328.94
Fees + prepaids$10,882.55
Your down payment is the seller’s equity. You take over the $119,322 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $311,560.11 is due at closing. Uses and sources reconcile at $430,882.55 each. Not a Closing Disclosure.