Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$360,805Cash toward the purchase price.
Closing costs + prepaids$14,227Not just lender fees.
Before credits & paid funds$375,032The complete starting cash picture.
Estimated remaining funds due at closing
$375,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,804.86
Your down payment$360,804.86
Closing costs + prepaids$14,226.66
Total buyer cash needed$375,031.53
Remaining funds due$375,031.53
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,170.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$704.50
Prepaid interest, first (24 days)$933.19
Fees + prepaids$14,226.66
Your down payment is the seller’s equity. You take over the $234,195 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $375,031.53 is due at closing. Uses and sources reconcile at $609,226.66 each. Not a Closing Disclosure.