Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$325,431Cash toward the purchase price.
Closing costs + prepaids$9,660Not just lender fees.
Before credits & paid funds$335,090The complete starting cash picture.
Estimated remaining funds due at closing
$335,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,430.65
Your down payment$325,430.65
Closing costs + prepaids$9,659.55
Total buyer cash needed$335,090.21
Remaining funds due$335,090.21
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$222.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Prepaid interest, first (9 days)$76.21
Fees + prepaids$9,659.55
Your down payment is the seller’s equity. You take over the $44,469 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $335,090.21 is due at closing. Uses and sources reconcile at $379,559.55 each. Not a Closing Disclosure.