Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$356,492Cash toward the purchase price.
Closing costs + prepaids$10,683Not just lender fees.
Before credits & paid funds$367,175The complete starting cash picture.
Estimated remaining funds due at closing
$367,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,492.08
Your down payment$356,492.08
Closing costs + prepaids$10,683.12
Total buyer cash needed$367,175.20
Remaining funds due$367,175.20
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$317.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$673.75
Prepaid interest, first (27 days)$275.33
Fees + prepaids$10,683.12
Your down payment is the seller’s equity. You take over the $63,408 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $367,175.20 is due at closing. Uses and sources reconcile at $430,583.12 each. Not a Closing Disclosure.