Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$325,423Cash toward the purchase price.
Closing costs + prepaids$11,338Not just lender fees.
Before credits & paid funds$336,761The complete starting cash picture.
Estimated remaining funds due at closing
$336,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,423.02
Your down payment$325,423.02
Closing costs + prepaids$11,337.88
Total buyer cash needed$336,760.90
Remaining funds due$336,760.90
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$447.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Initial HOA (3 months)$957.00
Prepaid interest, first (7 days)$67.00
Fees + prepaids$11,337.88
Your down payment is the seller’s equity. You take over the $89,577 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $336,760.90 is due at closing. Uses and sources reconcile at $426,337.88 each. Not a Closing Disclosure.