Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$364,128Cash toward the purchase price.
Closing costs + prepaids$12,212Not just lender fees.
Before credits & paid funds$376,340The complete starting cash picture.
Estimated remaining funds due at closing
$376,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,127.50
Your down payment$364,127.50
Closing costs + prepaids$12,212.44
Total buyer cash needed$376,339.95
Remaining funds due$376,339.95
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%)$4,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$649.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$647.50
Initial HOA (3 months)$81.99
Prepaid interest, first (27 days)$425.59
Fees + prepaids$12,212.44
Your down payment is the seller’s equity. You take over the $129,872 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $376,339.95 is due at closing. Uses and sources reconcile at $506,212.44 each. Not a Closing Disclosure.