Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$358,568Cash toward the purchase price.
Closing costs + prepaids$12,053Not just lender fees.
Before credits & paid funds$370,620The complete starting cash picture.
Estimated remaining funds due at closing
$370,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,567.65
Your down payment$358,567.65
Closing costs + prepaids$12,052.55
Total buyer cash needed$370,620.20
Remaining funds due$370,620.20
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$707.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$518.25
Prepaid interest, first (23 days)$359.16
Fees + prepaids$12,052.55
Your down payment is the seller’s equity. You take over the $141,431 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $370,620.20 is due at closing. Uses and sources reconcile at $512,051.55 each. Not a Closing Disclosure.