Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$382,924Cash toward the purchase price.
Closing costs + prepaids$12,660Not just lender fees.
Before credits & paid funds$395,584The complete starting cash picture.
Estimated remaining funds due at closing
$395,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,923.81
Your down payment$382,923.81
Closing costs + prepaids$12,660.11
Total buyer cash needed$395,583.92
Remaining funds due$395,583.92
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$734.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.75
Initial HOA (3 months)$116.76
Prepaid interest, first (29 days)$408.71
Fees + prepaids$12,660.11
Your down payment is the seller’s equity. You take over the $146,976 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $395,583.92 is due at closing. Uses and sources reconcile at $542,560.11 each. Not a Closing Disclosure.