Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$340,057Cash toward the purchase price.
Closing costs + prepaids$20,055Not just lender fees.
Before credits & paid funds$360,112The complete starting cash picture.
Estimated remaining funds due at closing
$360,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,057.00
Your down payment$340,057.00
Closing costs + prepaids$20,055.19
Total buyer cash needed$360,112.19
Remaining funds due$360,112.19
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%)$8,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,424.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,062.25
Prepaid interest, first (29 days)$1,101.72
Fees + prepaids$20,055.19
Your down payment is the seller’s equity. You take over the $484,843 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $360,112.19 is due at closing. Uses and sources reconcile at $844,955.19 each. Not a Closing Disclosure.