Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$365,219Cash toward the purchase price.
Closing costs + prepaids$16,420Not just lender fees.
Before credits & paid funds$381,639The complete starting cash picture.
Estimated remaining funds due at closing
$381,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,218.96
Your down payment$365,218.96
Closing costs + prepaids$16,420.29
Total buyer cash needed$381,639.25
Remaining funds due$381,639.25
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%)$5,088.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$718.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,272.25
Initial HOA (3 months)$3,255.00
Prepaid interest, first (24 days)$617.82
Fees + prepaids$16,420.29
Your down payment is the seller’s equity. You take over the $143,669 balance, so the rest of the $508,888 price is paid at closing. A second mortgage can cover part of it. $381,639.25 is due at closing. Uses and sources reconcile at $525,308.29 each. Not a Closing Disclosure.