Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$303,159Cash toward the purchase price.
Closing costs + prepaids$10,801Not just lender fees.
Before credits & paid funds$313,959The complete starting cash picture.
Estimated remaining funds due at closing
$313,959No 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$10,800.67
Total buyer cash needed$313,959.40
Remaining funds due$313,959.40
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)$504.00
Initial HOA (3 months)$200.01
Prepaid interest, first (10 days)$95.95
Fees + prepaids$10,800.67
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. $313,959.40 is due at closing. Uses and sources reconcile at $430,700.67 each. Not a Closing Disclosure.