Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$344,202Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$354,938The complete starting cash picture.
Estimated remaining funds due at closing
$354,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,201.93
Your down payment$344,201.93
Closing costs + prepaids$10,736.40
Total buyer cash needed$354,938.33
Remaining funds due$354,938.33
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$453.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$314.75
Initial HOA (3 months)$98.76
Prepaid interest, first (28 days)$300.90
Fees + prepaids$10,736.40
Your down payment is the seller’s equity. You take over the $90,798 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $354,938.33 is due at closing. Uses and sources reconcile at $445,736.40 each. Not a Closing Disclosure.