Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$309,703Cash toward the purchase price.
Closing costs + prepaids$11,508Not just lender fees.
Before credits & paid funds$321,211The complete starting cash picture.
Estimated remaining funds due at closing
$321,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,702.95
Your down payment$309,702.95
Closing costs + prepaids$11,507.93
Total buyer cash needed$321,210.88
Remaining funds due$321,210.88
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%)$4,107.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$504.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,492.75
Prepaid interest, first (23 days)$185.20
Fees + prepaids$11,507.93
Your down payment is the seller’s equity. You take over the $100,997 balance, so the rest of the $410,700 price is paid at closing. A second mortgage can cover part of it. $321,210.88 is due at closing. Uses and sources reconcile at $422,207.93 each. Not a Closing Disclosure.