Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$328,397Cash toward the purchase price.
Closing costs + prepaids$11,374Not just lender fees.
Before credits & paid funds$339,771The complete starting cash picture.
Estimated remaining funds due at closing
$339,771No 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$11,374.26
Total buyer cash needed$339,770.89
Remaining funds due$339,770.89
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 (31 days)$396.00
Fees + prepaids$11,374.26
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. $339,770.89 is due at closing. Uses and sources reconcile at $470,374.26 each. Not a Closing Disclosure.