Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$379,496Cash toward the purchase price.
Closing costs + prepaids$13,463Not just lender fees.
Before credits & paid funds$392,959The complete starting cash picture.
Estimated remaining funds due at closing
$392,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,495.85
Your down payment$379,495.85
Closing costs + prepaids$13,462.71
Total buyer cash needed$392,958.57
Remaining funds due$392,958.57
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,197.00
Prepaid interest, first (23 days)$446.69
Fees + prepaids$13,462.71
Your down payment is the seller’s equity. You take over the $170,404 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $392,958.57 is due at closing. Uses and sources reconcile at $563,362.71 each. Not a Closing Disclosure.