Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$366,037Cash toward the purchase price.
Closing costs + prepaids$12,192Not just lender fees.
Before credits & paid funds$378,228The complete starting cash picture.
Estimated remaining funds due at closing
$378,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,036.53
Your down payment$366,036.53
Closing costs + prepaids$12,191.94
Total buyer cash needed$378,228.47
Remaining funds due$378,228.47
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%)$4,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$649.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.50
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$212.12
Fees + prepaids$12,191.94
Your down payment is the seller’s equity. You take over the $129,863 balance, so the rest of the $495,900 price is paid at closing. A second mortgage can cover part of it. $378,228.47 is due at closing. Uses and sources reconcile at $508,091.94 each. Not a Closing Disclosure.