Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$318,486Cash toward the purchase price.
Closing costs + prepaids$10,964Not just lender fees.
Before credits & paid funds$329,450The complete starting cash picture.
Estimated remaining funds due at closing
$329,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,485.75
Your down payment$318,485.75
Closing costs + prepaids$10,964.11
Total buyer cash needed$329,449.86
Remaining funds due$329,449.86
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$652.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$538.75
Prepaid interest, first (6 days)$64.79
Fees + prepaids$10,964.11
Your down payment is the seller’s equity. You take over the $130,514 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $329,449.86 is due at closing. Uses and sources reconcile at $459,964.11 each. Not a Closing Disclosure.