Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$387,303Cash toward the purchase price.
Closing costs + prepaids$13,771Not just lender fees.
Before credits & paid funds$401,074The complete starting cash picture.
Estimated remaining funds due at closing
$401,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,303.12
Your down payment$387,303.12
Closing costs + prepaids$13,770.76
Total buyer cash needed$401,073.88
Remaining funds due$401,073.88
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,062.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.75
Prepaid interest, first (23 days)$430.03
Fees + prepaids$13,770.76
Your down payment is the seller’s equity. You take over the $212,597 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $401,073.88 is due at closing. Uses and sources reconcile at $613,670.76 each. Not a Closing Disclosure.