Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$325,431Cash toward the purchase price.
Closing costs + prepaids$9,899Not just lender fees.
Before credits & paid funds$335,330The complete starting cash picture.
Estimated remaining funds due at closing
$335,330No 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$9,899.47
Total buyer cash needed$335,330.12
Remaining funds due$335,330.12
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)$531.50
Prepaid interest, first (27 days)$228.62
Fees + prepaids$9,899.47
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. $335,330.12 is due at closing. Uses and sources reconcile at $379,799.47 each. Not a Closing Disclosure.