Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$383,192Cash toward the purchase price.
Closing costs + prepaids$12,916Not just lender fees.
Before credits & paid funds$396,107The complete starting cash picture.
Estimated remaining funds due at closing
$396,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,191.85
Your down payment$383,191.85
Closing costs + prepaids$12,915.55
Total buyer cash needed$396,107.40
Remaining funds due$396,107.40
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$659.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,287.50
Prepaid interest, first (27 days)$351.01
Fees + prepaids$12,915.55
Your down payment is the seller’s equity. You take over the $131,808 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $396,107.40 is due at closing. Uses and sources reconcile at $527,915.55 each. Not a Closing Disclosure.