Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$328,397Cash toward the purchase price.
Closing costs + prepaids$11,208Not just lender fees.
Before credits & paid funds$339,605The complete starting cash picture.
Estimated remaining funds due at closing
$339,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,396.62
Your down payment$328,396.62
Closing costs + prepaids$11,208.20
Total buyer cash needed$339,604.82
Remaining funds due$339,604.82
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$653.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$267.25
Prepaid interest, first (18 days)$229.93
Fees + prepaids$11,208.20
Your down payment is the seller’s equity. You take over the $130,603 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $339,604.82 is due at closing. Uses and sources reconcile at $470,208.20 each. Not a Closing Disclosure.