Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$357,026Cash toward the purchase price.
Closing costs + prepaids$12,290Not just lender fees.
Before credits & paid funds$369,317The complete starting cash picture.
Estimated remaining funds due at closing
$369,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,026.47
Your down payment$357,026.47
Closing costs + prepaids$12,290.20
Total buyer cash needed$369,316.66
Remaining funds due$369,316.66
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$889.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$160.75
Prepaid interest, first (22 days)$421.58
Fees + prepaids$12,290.20
Your down payment is the seller’s equity. You take over the $177,974 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $369,316.66 is due at closing. Uses and sources reconcile at $547,290.20 each. Not a Closing Disclosure.