Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$300,620Cash toward the purchase price.
Closing costs + prepaids$11,305Not just lender fees.
Before credits & paid funds$311,924The complete starting cash picture.
Estimated remaining funds due at closing
$311,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,619.62
Your down payment$300,619.62
Closing costs + prepaids$11,304.84
Total buyer cash needed$311,924.46
Remaining funds due$311,924.46
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%)$4,599.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$796.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$36.99
Prepaid interest, first (26 days)$403.02
Fees + prepaids$11,304.84
Your down payment is the seller’s equity. You take over the $159,375 balance, so the rest of the $459,995 price is paid at closing. A second mortgage can cover part of it. $311,924.46 is due at closing. Uses and sources reconcile at $471,299.84 each. Not a Closing Disclosure.