Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$346,492Cash toward the purchase price.
Closing costs + prepaids$10,248Not just lender fees.
Before credits & paid funds$356,740The complete starting cash picture.
Estimated remaining funds due at closing
$356,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,492.08
Your down payment$346,492.08
Closing costs + prepaids$10,248.41
Total buyer cash needed$356,740.49
Remaining funds due$356,740.49
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$317.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Prepaid interest, first (12 days)$122.37
Fees + prepaids$10,248.41
Your down payment is the seller’s equity. You take over the $63,408 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $356,740.49 is due at closing. Uses and sources reconcile at $420,148.41 each. Not a Closing Disclosure.