Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$366,072Cash toward the purchase price.
Closing costs + prepaids$13,702Not just lender fees.
Before credits & paid funds$379,774The complete starting cash picture.
Estimated remaining funds due at closing
$379,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,071.97
Your down payment$366,071.97
Closing costs + prepaids$13,702.22
Total buyer cash needed$379,774.19
Remaining funds due$379,774.19
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%)$5,830.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,084.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$744.75
Prepaid interest, first (26 days)$574.83
Fees + prepaids$13,702.22
Your down payment is the seller’s equity. You take over the $216,928 balance, so the rest of the $583,000 price is paid at closing. A second mortgage can cover part of it. $379,774.19 is due at closing. Uses and sources reconcile at $596,702.22 each. Not a Closing Disclosure.