Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$369,567Cash toward the purchase price.
Closing costs + prepaids$14,463Not just lender fees.
Before credits & paid funds$384,030The complete starting cash picture.
Estimated remaining funds due at closing
$384,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$369,567.10
Your down payment$369,567.10
Closing costs + prepaids$14,463.31
Total buyer cash needed$384,030.41
Remaining funds due$384,030.41
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,447.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$219.50
Prepaid interest, first (27 days)$738.65
Fees + prepaids$14,463.31
Your down payment is the seller’s equity. You take over the $289,433 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $384,030.41 is due at closing. Uses and sources reconcile at $673,463.31 each. Not a Closing Disclosure.