Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$378,543Cash toward the purchase price.
Closing costs + prepaids$13,082Not just lender fees.
Before credits & paid funds$391,625The complete starting cash picture.
Estimated remaining funds due at closing
$391,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,542.99
Your down payment$378,542.99
Closing costs + prepaids$13,081.70
Total buyer cash needed$391,624.69
Remaining funds due$391,624.69
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$981.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$306.00
Prepaid interest, first (28 days)$576.91
Fees + prepaids$13,081.70
Your down payment is the seller’s equity. You take over the $196,357 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $391,624.69 is due at closing. Uses and sources reconcile at $587,981.70 each. Not a Closing Disclosure.