Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$388,111Cash toward the purchase price.
Closing costs + prepaids$13,634Not just lender fees.
Before credits & paid funds$401,745The complete starting cash picture.
Estimated remaining funds due at closing
$401,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,111.05
Your down payment$388,111.05
Closing costs + prepaids$13,633.98
Total buyer cash needed$401,745.03
Remaining funds due$401,745.03
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,058.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (28 days)$1,108.03
Fees + prepaids$13,633.98
Your down payment is the seller’s equity. You take over the $211,789 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $401,745.03 is due at closing. Uses and sources reconcile at $613,533.98 each. Not a Closing Disclosure.