Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$303,159Cash toward the purchase price.
Closing costs + prepaids$10,868Not just lender fees.
Before credits & paid funds$314,027The complete starting cash picture.
Estimated remaining funds due at closing
$314,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,158.73
Your down payment$303,158.73
Closing costs + prepaids$10,868.17
Total buyer cash needed$314,026.90
Remaining funds due$314,026.90
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$583.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$370.00
Initial HOA (3 months)$200.01
Prepaid interest, first (31 days)$297.45
Fees + prepaids$10,868.17
Your down payment is the seller’s equity. You take over the $116,741 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $314,026.90 is due at closing. Uses and sources reconcile at $430,768.17 each. Not a Closing Disclosure.