Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$327,006Cash toward the purchase price.
Closing costs + prepaids$10,654Not just lender fees.
Before credits & paid funds$337,660The complete starting cash picture.
Estimated remaining funds due at closing
$337,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,006.14
Your down payment$327,006.14
Closing costs + prepaids$10,654.12
Total buyer cash needed$337,660.26
Remaining funds due$337,660.26
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$464.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.00
Initial HOA (3 months)$222.00
Prepaid interest, first (19 days)$193.15
Fees + prepaids$10,654.12
Your down payment is the seller’s equity. You take over the $92,994 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $337,660.26 is due at closing. Uses and sources reconcile at $430,654.12 each. Not a Closing Disclosure.