Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$382,901Cash toward the purchase price.
Closing costs + prepaids$14,455Not just lender fees.
Before credits & paid funds$397,356The complete starting cash picture.
Estimated remaining funds due at closing
$397,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,901.17
Your down payment$382,901.17
Closing costs + prepaids$14,454.85
Total buyer cash needed$397,356.02
Remaining funds due$397,356.02
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%)$1,035.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,183.25
Initial HOA (3 months)$312.00
Prepaid interest, first (27 days)$556.10
Fees + prepaids$14,454.85
Your down payment is the seller’s equity. You take over the $207,099 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $397,356.02 is due at closing. Uses and sources reconcile at $604,454.85 each. Not a Closing Disclosure.