Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$343,715Cash toward the purchase price.
Closing costs + prepaids$10,537Not just lender fees.
Before credits & paid funds$354,252The complete starting cash picture.
Estimated remaining funds due at closing
$354,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,715.08
Your down payment$343,715.08
Closing costs + prepaids$10,536.68
Total buyer cash needed$354,251.76
Remaining funds due$354,251.76
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$281.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,020.00
Prepaid interest, first (5 days)$17.27
Fees + prepaids$10,536.68
Your down payment is the seller’s equity. You take over the $56,284 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $354,251.76 is due at closing. Uses and sources reconcile at $410,535.68 each. Not a Closing Disclosure.