Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$334,877Cash toward the purchase price.
Closing costs + prepaids$11,293Not just lender fees.
Before credits & paid funds$346,169The complete starting cash picture.
Estimated remaining funds due at closing
$346,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,876.68
Your down payment$334,876.68
Closing costs + prepaids$11,292.81
Total buyer cash needed$346,169.49
Remaining funds due$346,169.49
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$575.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$613.75
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$10.44
Fees + prepaids$11,292.81
Your down payment is the seller’s equity. You take over the $115,123 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $346,169.49 is due at closing. Uses and sources reconcile at $461,292.81 each. Not a Closing Disclosure.