Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$353,376Cash toward the purchase price.
Closing costs + prepaids$11,941Not just lender fees.
Before credits & paid funds$365,317The complete starting cash picture.
Estimated remaining funds due at closing
$365,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,375.88
Your down payment$353,375.88
Closing costs + prepaids$11,940.79
Total buyer cash needed$365,316.67
Remaining funds due$365,316.67
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$608.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$843.50
Prepaid interest, first (26 days)$271.17
Fees + prepaids$11,940.79
Your down payment is the seller’s equity. You take over the $121,624 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $365,316.67 is due at closing. Uses and sources reconcile at $486,940.79 each. Not a Closing Disclosure.