Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$313,209Cash toward the purchase price.
Closing costs + prepaids$10,261Not just lender fees.
Before credits & paid funds$323,469The complete starting cash picture.
Estimated remaining funds due at closing
$323,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,208.54
Your down payment$313,208.54
Closing costs + prepaids$10,260.59
Total buyer cash needed$323,469.13
Remaining funds due$323,469.13
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%)$4,059.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$463.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$235.00
Prepaid interest, first (28 days)$285.13
Fees + prepaids$10,260.59
Your down payment is the seller’s equity. You take over the $92,691 balance, so the rest of the $405,900 price is paid at closing. A second mortgage can cover part of it. $323,469.13 is due at closing. Uses and sources reconcile at $416,160.59 each. Not a Closing Disclosure.