Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$364,943Cash toward the purchase price.
Closing costs + prepaids$14,012Not just lender fees.
Before credits & paid funds$378,955The complete starting cash picture.
Estimated remaining funds due at closing
$378,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,943.22
Your down payment$364,943.22
Closing costs + prepaids$14,012.06
Total buyer cash needed$378,955.28
Remaining funds due$378,955.28
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,070.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,026.00
Initial HOA (3 months)$91.26
Prepaid interest, first (28 days)$566.52
Fees + prepaids$14,012.06
Your down payment is the seller’s equity. You take over the $214,057 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $378,955.28 is due at closing. Uses and sources reconcile at $593,012.06 each. Not a Closing Disclosure.