Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$364,091Cash toward the purchase price.
Closing costs + prepaids$10,278Not just lender fees.
Before credits & paid funds$374,370The complete starting cash picture.
Estimated remaining funds due at closing
$374,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,091.32
Your down payment$364,091.32
Closing costs + prepaids$10,278.33
Total buyer cash needed$374,369.65
Remaining funds due$374,369.65
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%)$279.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.75
Prepaid interest, first (24 days)$154.03
Fees + prepaids$10,278.33
Your down payment is the seller’s equity. You take over the $55,909 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $374,369.65 is due at closing. Uses and sources reconcile at $430,278.33 each. Not a Closing Disclosure.