Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$383,639Cash toward the purchase price.
Closing costs + prepaids$12,278Not just lender fees.
Before credits & paid funds$395,916The complete starting cash picture.
Estimated remaining funds due at closing
$395,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,638.51
Your down payment$383,638.51
Closing costs + prepaids$12,277.59
Total buyer cash needed$395,916.11
Remaining funds due$395,916.11
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%)$5,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$719.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$447.75
Prepaid interest, first (25 days)$367.54
Fees + prepaids$12,277.59
Your down payment is the seller’s equity. You take over the $143,861 balance, so the rest of the $527,500 price is paid at closing. A second mortgage can cover part of it. $395,916.11 is due at closing. Uses and sources reconcile at $539,777.59 each. Not a Closing Disclosure.