Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$305,014Cash toward the purchase price.
Closing costs + prepaids$13,467Not just lender fees.
Before credits & paid funds$318,481The complete starting cash picture.
Estimated remaining funds due at closing
$318,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,014.00
Your down payment$305,014.00
Closing costs + prepaids$13,467.22
Total buyer cash needed$318,481.22
Remaining funds due$318,481.22
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$524.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,025.00
Initial HOA (3 months)$2,277.00
Prepaid interest, first (27 days)$322.29
Fees + prepaids$13,467.22
Your down payment is the seller’s equity. You take over the $104,986 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $318,481.22 is due at closing. Uses and sources reconcile at $423,467.22 each. Not a Closing Disclosure.