Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$393,922Cash toward the purchase price.
Closing costs + prepaids$14,177Not just lender fees.
Before credits & paid funds$408,099The complete starting cash picture.
Estimated remaining funds due at closing
$408,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,921.81
Your down payment$393,921.81
Closing costs + prepaids$14,177.35
Total buyer cash needed$408,099.16
Remaining funds due$408,099.16
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$979.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,474.75
Prepaid interest, first (25 days)$355.71
Fees + prepaids$14,177.35
Your down payment is the seller’s equity. You take over the $195,978 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $408,099.16 is due at closing. Uses and sources reconcile at $604,077.35 each. Not a Closing Disclosure.