Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$357,849Cash toward the purchase price.
Closing costs + prepaids$11,802Not just lender fees.
Before credits & paid funds$369,651The complete starting cash picture.
Estimated remaining funds due at closing
$369,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,848.72
Your down payment$357,848.72
Closing costs + prepaids$11,801.95
Total buyer cash needed$369,650.67
Remaining funds due$369,650.67
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%)$5,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$770.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$149.25
Prepaid interest, first (24 days)$293.94
Fees + prepaids$11,801.95
Your down payment is the seller’s equity. You take over the $154,151 balance, so the rest of the $512,000 price is paid at closing. A second mortgage can cover part of it. $369,650.67 is due at closing. Uses and sources reconcile at $523,801.95 each. Not a Closing Disclosure.