Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$386,401Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$397,684The complete starting cash picture.
Estimated remaining funds due at closing
$397,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,401.26
Your down payment$386,401.26
Closing costs + prepaids$11,282.27
Total buyer cash needed$397,683.53
Remaining funds due$397,683.53
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$312.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.50
Prepaid interest, first (28 days)$138.78
Fees + prepaids$11,282.27
Your down payment is the seller’s equity. You take over the $62,599 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $397,683.53 is due at closing. Uses and sources reconcile at $460,282.27 each. Not a Closing Disclosure.