Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$310,504Cash toward the purchase price.
Closing costs + prepaids$11,075Not just lender fees.
Before credits & paid funds$321,578The complete starting cash picture.
Estimated remaining funds due at closing
$321,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,503.79
Your down payment$310,503.79
Closing costs + prepaids$11,074.55
Total buyer cash needed$321,578.34
Remaining funds due$321,578.34
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$242.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,839.25
Prepaid interest, first (26 days)$184.82
Fees + prepaids$11,074.55
Your down payment is the seller’s equity. You take over the $48,496 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $321,578.34 is due at closing. Uses and sources reconcile at $370,074.55 each. Not a Closing Disclosure.