Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$368,967Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$382,922The complete starting cash picture.
Estimated remaining funds due at closing
$382,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,966.54
Your down payment$368,966.54
Closing costs + prepaids$13,955.16
Total buyer cash needed$382,921.70
Remaining funds due$382,921.70
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,080.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,003.00
Prepaid interest, first (26 days)$553.99
Fees + prepaids$13,955.16
Your down payment is the seller’s equity. You take over the $216,033 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $382,921.70 is due at closing. Uses and sources reconcile at $598,955.16 each. Not a Closing Disclosure.