Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$324,570Cash toward the purchase price.
Closing costs + prepaids$10,888Not just lender fees.
Before credits & paid funds$335,459The complete starting cash picture.
Estimated remaining funds due at closing
$335,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,570.32
Your down payment$324,570.32
Closing costs + prepaids$10,888.33
Total buyer cash needed$335,458.65
Remaining funds due$335,458.65
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$577.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$66.99
Prepaid interest, first (9 days)$98.19
Fees + prepaids$10,888.33
Your down payment is the seller’s equity. You take over the $115,430 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $335,458.65 is due at closing. Uses and sources reconcile at $450,888.33 each. Not a Closing Disclosure.