Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$367,799Cash toward the purchase price.
Closing costs + prepaids$10,843Not just lender fees.
Before credits & paid funds$378,642The complete starting cash picture.
Estimated remaining funds due at closing
$378,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,799.01
Your down payment$367,799.01
Closing costs + prepaids$10,843.21
Total buyer cash needed$378,642.22
Remaining funds due$378,642.22
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%)$4,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$485.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (24 days)$240.70
Fees + prepaids$10,843.21
Your down payment is the seller’s equity. You take over the $97,101 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $378,642.22 is due at closing. Uses and sources reconcile at $475,743.21 each. Not a Closing Disclosure.