Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$380,183Cash toward the purchase price.
Closing costs + prepaids$14,637Not just lender fees.
Before credits & paid funds$394,820The complete starting cash picture.
Estimated remaining funds due at closing
$394,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,183.06
Your down payment$380,183.06
Closing costs + prepaids$14,637.33
Total buyer cash needed$394,820.39
Remaining funds due$394,820.39
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$994.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,450.00
Initial HOA (3 months)$345.00
Prepaid interest, first (28 days)$590.24
Fees + prepaids$14,637.33
Your down payment is the seller’s equity. You take over the $198,817 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $394,820.39 is due at closing. Uses and sources reconcile at $593,637.33 each. Not a Closing Disclosure.