Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$348,225Cash toward the purchase price.
Closing costs + prepaids$11,869Not just lender fees.
Before credits & paid funds$360,094The complete starting cash picture.
Estimated remaining funds due at closing
$360,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,225.01
Your down payment$348,225.01
Closing costs + prepaids$11,869.45
Total buyer cash needed$360,094.46
Remaining funds due$360,094.46
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%)$4,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$593.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$685.25
Initial HOA (3 months)$132.51
Prepaid interest, first (28 days)$319.81
Fees + prepaids$11,869.45
Your down payment is the seller’s equity. You take over the $118,775 balance, so the rest of the $467,000 price is paid at closing. A second mortgage can cover part of it. $360,094.46 is due at closing. Uses and sources reconcile at $478,869.45 each. Not a Closing Disclosure.