Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$376,541Cash toward the purchase price.
Closing costs + prepaids$13,004Not just lender fees.
Before credits & paid funds$389,545The complete starting cash picture.
Estimated remaining funds due at closing
$389,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,541.18
Your down payment$376,541.18
Closing costs + prepaids$13,003.51
Total buyer cash needed$389,544.70
Remaining funds due$389,544.70
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%)$5,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$752.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,108.00
Initial HOA (3 months)$39.75
Prepaid interest, first (26 days)$365.47
Fees + prepaids$13,003.51
Your down payment is the seller’s equity. You take over the $150,459 balance, so the rest of the $527,000 price is paid at closing. A second mortgage can cover part of it. $389,544.70 is due at closing. Uses and sources reconcile at $540,003.51 each. Not a Closing Disclosure.