Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$308,292Cash toward the purchase price.
Closing costs + prepaids$10,857Not just lender fees.
Before credits & paid funds$319,149The complete starting cash picture.
Estimated remaining funds due at closing
$319,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,292.04
Your down payment$308,292.04
Closing costs + prepaids$10,857.18
Total buyer cash needed$319,149.22
Remaining funds due$319,149.22
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$533.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.00
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$351.64
Fees + prepaids$10,857.18
Your down payment is the seller’s equity. You take over the $106,708 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $319,149.22 is due at closing. Uses and sources reconcile at $425,857.18 each. Not a Closing Disclosure.