Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$368,866Cash toward the purchase price.
Closing costs + prepaids$11,999Not just lender fees.
Before credits & paid funds$380,865The complete starting cash picture.
Estimated remaining funds due at closing
$380,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,866.08
Your down payment$368,866.08
Closing costs + prepaids$11,999.22
Total buyer cash needed$380,865.30
Remaining funds due$380,865.30
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$655.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.00
Initial HOA (3 months)$56.25
Prepaid interest, first (27 days)$258.80
Fees + prepaids$11,999.22
Your down payment is the seller’s equity. You take over the $131,034 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $380,865.30 is due at closing. Uses and sources reconcile at $511,899.22 each. Not a Closing Disclosure.