Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$328,767Cash toward the purchase price.
Closing costs + prepaids$11,366Not just lender fees.
Before credits & paid funds$340,133The complete starting cash picture.
Estimated remaining funds due at closing
$340,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,766.54
Your down payment$328,766.54
Closing costs + prepaids$11,366.41
Total buyer cash needed$340,132.94
Remaining funds due$340,132.94
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$681.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$384.50
Prepaid interest, first (18 days)$182.74
Fees + prepaids$11,366.41
Your down payment is the seller’s equity. You take over the $136,233 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $340,132.94 is due at closing. Uses and sources reconcile at $476,366.41 each. Not a Closing Disclosure.