Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$376,122Cash toward the purchase price.
Closing costs + prepaids$11,474Not just lender fees.
Before credits & paid funds$387,596The complete starting cash picture.
Estimated remaining funds due at closing
$387,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,122.16
Your down payment$376,122.16
Closing costs + prepaids$11,473.56
Total buyer cash needed$387,595.72
Remaining funds due$387,595.72
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$314.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,097.50
Initial HOA (3 months)$315.00
Prepaid interest, first (28 days)$138.68
Fees + prepaids$11,473.56
Your down payment is the seller’s equity. You take over the $62,878 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $387,595.72 is due at closing. Uses and sources reconcile at $450,473.56 each. Not a Closing Disclosure.