Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$304,056Cash toward the purchase price.
Closing costs + prepaids$11,008Not just lender fees.
Before credits & paid funds$315,065The complete starting cash picture.
Estimated remaining funds due at closing
$315,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,056.42
Your down payment$304,056.42
Closing costs + prepaids$11,008.25
Total buyer cash needed$315,064.67
Remaining funds due$315,064.67
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$554.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,058.00
Prepaid interest, first (4 days)$29.03
Fees + prepaids$11,008.25
Your down payment is the seller’s equity. You take over the $110,844 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $315,064.67 is due at closing. Uses and sources reconcile at $425,908.25 each. Not a Closing Disclosure.