Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$377,097Cash toward the purchase price.
Closing costs + prepaids$13,343Not just lender fees.
Before credits & paid funds$390,440The complete starting cash picture.
Estimated remaining funds due at closing
$390,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,097.29
Your down payment$377,097.29
Closing costs + prepaids$13,342.77
Total buyer cash needed$390,440.06
Remaining funds due$390,440.06
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%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$784.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,335.00
Prepaid interest, first (23 days)$415.25
Fees + prepaids$13,342.77
Your down payment is the seller’s equity. You take over the $156,903 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $390,440.06 is due at closing. Uses and sources reconcile at $547,342.77 each. Not a Closing Disclosure.