Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$305,494Cash toward the purchase price.
Closing costs + prepaids$12,360Not just lender fees.
Before credits & paid funds$317,854The complete starting cash picture.
Estimated remaining funds due at closing
$317,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,494.06
Your down payment$305,494.06
Closing costs + prepaids$12,359.71
Total buyer cash needed$317,853.77
Remaining funds due$317,853.77
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$722.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,398.50
Initial HOA (3 months)$39.51
Prepaid interest, first (25 days)$482.67
Fees + prepaids$12,359.71
Your down payment is the seller’s equity. You take over the $144,406 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $317,853.77 is due at closing. Uses and sources reconcile at $462,259.71 each. Not a Closing Disclosure.