Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$331,108Cash toward the purchase price.
Closing costs + prepaids$11,496Not just lender fees.
Before credits & paid funds$342,603The complete starting cash picture.
Estimated remaining funds due at closing
$342,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,107.64
Your down payment$331,107.64
Closing costs + prepaids$11,495.54
Total buyer cash needed$342,603.18
Remaining funds due$342,603.18
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%)$4,494.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$591.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.25
Initial HOA (3 months)$291.00
Prepaid interest, first (21 days)$204.35
Fees + prepaids$11,495.54
Your down payment is the seller’s equity. You take over the $118,391 balance, so the rest of the $449,499 price is paid at closing. A second mortgage can cover part of it. $342,603.18 is due at closing. Uses and sources reconcile at $460,994.54 each. Not a Closing Disclosure.