Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$380,759Cash toward the purchase price.
Closing costs + prepaids$13,260Not just lender fees.
Before credits & paid funds$394,019The complete starting cash picture.
Estimated remaining funds due at closing
$394,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,758.73
Your down payment$380,758.73
Closing costs + prepaids$13,260.25
Total buyer cash needed$394,018.99
Remaining funds due$394,018.99
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,021.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$413.75
Initial HOA (3 months)$99.99
Prepaid interest, first (29 days)$407.31
Fees + prepaids$13,260.25
Your down payment is the seller’s equity. You take over the $204,241 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $394,018.99 is due at closing. Uses and sources reconcile at $598,260.25 each. Not a Closing Disclosure.