Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$333,920Cash toward the purchase price.
Closing costs + prepaids$10,337Not just lender fees.
Before credits & paid funds$344,257The complete starting cash picture.
Estimated remaining funds due at closing
$344,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,919.99
Your down payment$333,919.99
Closing costs + prepaids$10,337.22
Total buyer cash needed$344,257.21
Remaining funds due$344,257.21
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$380.40
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)$146.82
Fees + prepaids$10,337.22
Your down payment is the seller’s equity. You take over the $76,080 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $344,257.21 is due at closing. Uses and sources reconcile at $420,337.22 each. Not a Closing Disclosure.