Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$320,891Cash toward the purchase price.
Closing costs + prepaids$12,030Not just lender fees.
Before credits & paid funds$332,921The complete starting cash picture.
Estimated remaining funds due at closing
$332,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,891.11
Your down payment$320,891.11
Closing costs + prepaids$12,029.65
Total buyer cash needed$332,920.76
Remaining funds due$332,920.76
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$695.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$689.25
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$368.35
Fees + prepaids$12,029.65
Your down payment is the seller’s equity. You take over the $139,009 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $332,920.76 is due at closing. Uses and sources reconcile at $471,929.65 each. Not a Closing Disclosure.