Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$379,173Cash toward the purchase price.
Closing costs + prepaids$13,775Not just lender fees.
Before credits & paid funds$392,948The complete starting cash picture.
Estimated remaining funds due at closing
$392,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,172.92
Your down payment$379,172.92
Closing costs + prepaids$13,775.00
Total buyer cash needed$392,947.91
Remaining funds due$392,947.91
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$704.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,640.75
Initial HOA (3 months)$408.00
Prepaid interest, first (26 days)$354.11
Fees + prepaids$13,775.00
Your down payment is the seller’s equity. You take over the $140,827 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $392,947.91 is due at closing. Uses and sources reconcile at $533,775.00 each. Not a Closing Disclosure.