Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$323,179Cash toward the purchase price.
Closing costs + prepaids$10,268Not just lender fees.
Before credits & paid funds$333,447The complete starting cash picture.
Estimated remaining funds due at closing
$333,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,178.86
Your down payment$323,178.86
Closing costs + prepaids$10,268.15
Total buyer cash needed$333,447.01
Remaining funds due$333,447.01
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$409.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.00
Initial HOA (3 months)$12.51
Prepaid interest, first (12 days)$92.54
Fees + prepaids$10,268.15
Your down payment is the seller’s equity. You take over the $81,821 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $333,447.01 is due at closing. Uses and sources reconcile at $415,268.15 each. Not a Closing Disclosure.