Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$320,451Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$330,861The complete starting cash picture.
Estimated remaining funds due at closing
$330,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,450.74
Your down payment$320,450.74
Closing costs + prepaids$10,410.22
Total buyer cash needed$330,860.97
Remaining funds due$330,860.97
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$397.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.25
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$193.23
Fees + prepaids$10,410.22
Your down payment is the seller’s equity. You take over the $79,549 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $330,860.97 is due at closing. Uses and sources reconcile at $410,410.22 each. Not a Closing Disclosure.