Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$311,523Cash toward the purchase price.
Closing costs + prepaids$10,195Not just lender fees.
Before credits & paid funds$321,718The complete starting cash picture.
Estimated remaining funds due at closing
$321,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,523.12
Your down payment$311,523.12
Closing costs + prepaids$10,194.91
Total buyer cash needed$321,718.03
Remaining funds due$321,718.03
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$441.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$174.50
Prepaid interest, first (27 days)$361.52
Fees + prepaids$10,194.91
Your down payment is the seller’s equity. You take over the $88,377 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $321,718.03 is due at closing. Uses and sources reconcile at $410,094.91 each. Not a Closing Disclosure.