Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$364,491Cash toward the purchase price.
Closing costs + prepaids$19,038Not just lender fees.
Before credits & paid funds$383,528The complete starting cash picture.
Estimated remaining funds due at closing
$383,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,490.73
Your down payment$364,490.73
Closing costs + prepaids$19,037.54
Total buyer cash needed$383,528.27
Remaining funds due$383,528.27
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%)$7,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,102.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,962.25
Prepaid interest, first (28 days)$906.24
Fees + prepaids$19,037.54
Your down payment is the seller’s equity. You take over the $420,409 balance, so the rest of the $784,900 price is paid at closing. A second mortgage can cover part of it. $383,528.27 is due at closing. Uses and sources reconcile at $803,937.54 each. Not a Closing Disclosure.