Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$381,654Cash toward the purchase price.
Closing costs + prepaids$13,874Not just lender fees.
Before credits & paid funds$395,528The complete starting cash picture.
Estimated remaining funds due at closing
$395,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,653.74
Your down payment$381,653.74
Closing costs + prepaids$13,874.47
Total buyer cash needed$395,528.21
Remaining funds due$395,528.21
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,041.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$700.00
Initial HOA (3 months)$180.00
Prepaid interest, first (26 days)$584.74
Fees + prepaids$13,874.47
Your down payment is the seller’s equity. You take over the $208,346 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $395,528.21 is due at closing. Uses and sources reconcile at $603,874.47 each. Not a Closing Disclosure.