Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$361,080Cash toward the purchase price.
Closing costs + prepaids$12,936Not just lender fees.
Before credits & paid funds$374,016The complete starting cash picture.
Estimated remaining funds due at closing
$374,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,080.19
Your down payment$361,080.19
Closing costs + prepaids$12,936.29
Total buyer cash needed$374,016.48
Remaining funds due$374,016.48
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$869.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$829.00
Prepaid interest, first (24 days)$419.69
Fees + prepaids$12,936.29
Your down payment is the seller’s equity. You take over the $173,920 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $374,016.48 is due at closing. Uses and sources reconcile at $547,936.29 each. Not a Closing Disclosure.