Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$363,222Cash toward the purchase price.
Closing costs + prepaids$13,457Not just lender fees.
Before credits & paid funds$376,678The complete starting cash picture.
Estimated remaining funds due at closing
$376,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,221.90
Your down payment$363,221.90
Closing costs + prepaids$13,456.56
Total buyer cash needed$376,678.46
Remaining funds due$376,678.46
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$833.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,325.00
Prepaid interest, first (28 days)$529.67
Fees + prepaids$13,456.56
Your down payment is the seller’s equity. You take over the $166,778 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $376,678.46 is due at closing. Uses and sources reconcile at $543,456.56 each. Not a Closing Disclosure.