Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$374,489Cash toward the purchase price.
Closing costs + prepaids$13,497Not just lender fees.
Before credits & paid funds$387,986The complete starting cash picture.
Estimated remaining funds due at closing
$387,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,489.38
Your down payment$374,489.38
Closing costs + prepaids$13,496.86
Total buyer cash needed$387,986.24
Remaining funds due$387,986.24
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,102.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$493.00
Prepaid interest, first (25 days)$483.31
Fees + prepaids$13,496.86
Your down payment is the seller’s equity. You take over the $220,511 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $387,986.24 is due at closing. Uses and sources reconcile at $608,496.86 each. Not a Closing Disclosure.