Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$335,764Cash toward the purchase price.
Closing costs + prepaids$9,567Not just lender fees.
Before credits & paid funds$345,331The complete starting cash picture.
Estimated remaining funds due at closing
$345,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,763.65
Your down payment$335,763.65
Closing costs + prepaids$9,566.97
Total buyer cash needed$345,330.61
Remaining funds due$345,330.61
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$195.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$309.50
Prepaid interest, first (26 days)$94.79
Fees + prepaids$9,566.97
Your down payment is the seller’s equity. You take over the $39,136 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $345,330.61 is due at closing. Uses and sources reconcile at $384,466.97 each. Not a Closing Disclosure.