Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$329,239Cash toward the purchase price.
Closing costs + prepaids$11,392Not just lender fees.
Before credits & paid funds$340,631The complete starting cash picture.
Estimated remaining funds due at closing
$340,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,238.56
Your down payment$329,238.56
Closing costs + prepaids$11,392.30
Total buyer cash needed$340,630.86
Remaining funds due$340,630.86
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%)$4,469.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$588.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$536.25
Initial HOA (3 months)$460.50
Prepaid interest, first (10 days)$120.24
Fees + prepaids$11,392.30
Your down payment is the seller’s equity. You take over the $117,661 balance, so the rest of the $446,900 price is paid at closing. A second mortgage can cover part of it. $340,630.86 is due at closing. Uses and sources reconcile at $458,292.30 each. Not a Closing Disclosure.