Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$320,451Cash toward the purchase price.
Closing costs + prepaids$10,344Not just lender fees.
Before credits & paid funds$330,795The complete starting cash picture.
Estimated remaining funds due at closing
$330,795No 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$10,344.08
Total buyer cash needed$330,794.82
Remaining funds due$330,794.82
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)$480.00
Initial HOA (3 months)$186.00
Prepaid interest, first (10 days)$62.33
Fees + prepaids$10,344.08
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. $330,794.82 is due at closing. Uses and sources reconcile at $410,344.08 each. Not a Closing Disclosure.