Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$343,840Cash toward the purchase price.
Closing costs + prepaids$12,006Not just lender fees.
Before credits & paid funds$355,846The complete starting cash picture.
Estimated remaining funds due at closing
$355,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,839.80
Your down payment$343,839.80
Closing costs + prepaids$12,005.90
Total buyer cash needed$355,845.69
Remaining funds due$355,845.69
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%)$4,809.97
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$685.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$731.00
Prepaid interest, first (23 days)$311.14
Fees + prepaids$12,005.90
Your down payment is the seller’s equity. You take over the $137,157 balance, so the rest of the $480,997 price is paid at closing. A second mortgage can cover part of it. $355,845.69 is due at closing. Uses and sources reconcile at $493,002.90 each. Not a Closing Disclosure.