Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$302,899Cash toward the purchase price.
Closing costs + prepaids$11,295Not just lender fees.
Before credits & paid funds$314,194The complete starting cash picture.
Estimated remaining funds due at closing
$314,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,899.11
Your down payment$302,899.11
Closing costs + prepaids$11,294.62
Total buyer cash needed$314,193.73
Remaining funds due$314,193.73
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$635.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.50
Initial HOA (3 months)$414.00
Prepaid interest, first (27 days)$324.11
Fees + prepaids$11,294.62
Your down payment is the seller’s equity. You take over the $127,001 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $314,193.73 is due at closing. Uses and sources reconcile at $441,194.62 each. Not a Closing Disclosure.