Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$404,357Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$417,682The complete starting cash picture.
Estimated remaining funds due at closing
$417,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,356.66
Your down payment$404,356.66
Closing costs + prepaids$13,325.22
Total buyer cash needed$417,681.88
Remaining funds due$417,681.88
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%)$5,355.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$655.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,371.25
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$280.25
Fees + prepaids$13,325.22
Your down payment is the seller’s equity. You take over the $131,143 balance, so the rest of the $535,500 price is paid at closing. A second mortgage can cover part of it. $417,681.88 is due at closing. Uses and sources reconcile at $548,825.22 each. Not a Closing Disclosure.