Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$322,223Cash toward the purchase price.
Closing costs + prepaids$11,881Not just lender fees.
Before credits & paid funds$334,103The complete starting cash picture.
Estimated remaining funds due at closing
$334,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,222.84
Your down payment$322,222.84
Closing costs + prepaids$11,880.62
Total buyer cash needed$334,103.46
Remaining funds due$334,103.46
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$613.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,211.75
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$311.99
Fees + prepaids$11,880.62
Your down payment is the seller’s equity. You take over the $122,777 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $334,103.46 is due at closing. Uses and sources reconcile at $456,880.62 each. Not a Closing Disclosure.