Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$319,225Cash toward the purchase price.
Closing costs + prepaids$11,064Not just lender fees.
Before credits & paid funds$330,288The complete starting cash picture.
Estimated remaining funds due at closing
$330,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,224.68
Your down payment$319,224.68
Closing costs + prepaids$11,063.65
Total buyer cash needed$330,288.33
Remaining funds due$330,288.33
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$653.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (12 days)$151.77
Fees + prepaids$11,063.65
Your down payment is the seller’s equity. You take over the $130,775 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $330,288.33 is due at closing. Uses and sources reconcile at $461,063.65 each. Not a Closing Disclosure.