Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$367,368Cash toward the purchase price.
Closing costs + prepaids$10,912Not just lender fees.
Before credits & paid funds$378,280The complete starting cash picture.
Estimated remaining funds due at closing
$378,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,368.07
Your down payment$367,368.07
Closing costs + prepaids$10,911.89
Total buyer cash needed$378,279.96
Remaining funds due$378,279.96
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$287.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.25
Prepaid interest, first (23 days)$94.98
Fees + prepaids$10,911.89
Your down payment is the seller’s equity. You take over the $57,532 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $378,279.96 is due at closing. Uses and sources reconcile at $435,811.89 each. Not a Closing Disclosure.