Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$384,190Cash toward the purchase price.
Closing costs + prepaids$9,764Not just lender fees.
Before credits & paid funds$393,954The complete starting cash picture.
Estimated remaining funds due at closing
$393,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,189.55
Your down payment$384,189.55
Closing costs + prepaids$9,764.49
Total buyer cash needed$393,954.04
Remaining funds due$393,954.04
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$54.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$489.00
Prepaid interest, first (26 days)$53.44
Fees + prepaids$9,764.49
Your down payment is the seller’s equity. You take over the $10,810 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $393,954.04 is due at closing. Uses and sources reconcile at $404,764.49 each. Not a Closing Disclosure.