Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$382,598Cash toward the purchase price.
Closing costs + prepaids$11,896Not just lender fees.
Before credits & paid funds$394,495The complete starting cash picture.
Estimated remaining funds due at closing
$394,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,598.23
Your down payment$382,598.23
Closing costs + prepaids$11,896.42
Total buyer cash needed$394,494.66
Remaining funds due$394,494.66
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%)$4,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$484.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$874.75
Prepaid interest, first (23 days)$274.17
Fees + prepaids$11,896.42
Your down payment is the seller’s equity. You take over the $96,902 balance, so the rest of the $479,500 price is paid at closing. A second mortgage can cover part of it. $394,494.66 is due at closing. Uses and sources reconcile at $491,396.42 each. Not a Closing Disclosure.