Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$330,092Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$340,568The complete starting cash picture.
Estimated remaining funds due at closing
$340,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,092.09
Your down payment$330,092.09
Closing costs + prepaids$10,476.23
Total buyer cash needed$340,568.33
Remaining funds due$340,568.33
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$399.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Initial HOA (3 months)$180.00
Prepaid interest, first (10 days)$86.69
Fees + prepaids$10,476.23
Your down payment is the seller’s equity. You take over the $79,908 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $340,568.33 is due at closing. Uses and sources reconcile at $420,476.23 each. Not a Closing Disclosure.