Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$346,486Cash toward the purchase price.
Closing costs + prepaids$11,109Not just lender fees.
Before credits & paid funds$357,594The complete starting cash picture.
Estimated remaining funds due at closing
$357,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,485.69
Your down payment$346,485.69
Closing costs + prepaids$11,108.67
Total buyer cash needed$357,594.35
Remaining funds due$357,594.35
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$517.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$231.51
Prepaid interest, first (9 days)$101.59
Fees + prepaids$11,108.67
Your down payment is the seller’s equity. You take over the $103,514 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $357,594.35 is due at closing. Uses and sources reconcile at $461,108.67 each. Not a Closing Disclosure.