Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$374,350Cash toward the purchase price.
Closing costs + prepaids$16,066Not just lender fees.
Before credits & paid funds$390,417The complete starting cash picture.
Estimated remaining funds due at closing
$390,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,350.39
Your down payment$374,350.39
Closing costs + prepaids$16,066.37
Total buyer cash needed$390,416.76
Remaining funds due$390,416.76
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%)$5,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$925.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,129.25
Initial HOA (3 months)$930.00
Prepaid interest, first (28 days)$1,018.37
Fees + prepaids$16,066.37
Your down payment is the seller’s equity. You take over the $185,150 balance, so the rest of the $559,500 price is paid at closing. A second mortgage can cover part of it. $390,416.76 is due at closing. Uses and sources reconcile at $575,566.37 each. Not a Closing Disclosure.