Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$356,135Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$368,667The complete starting cash picture.
Estimated remaining funds due at closing
$368,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,134.65
Your down payment$356,134.65
Closing costs + prepaids$12,531.97
Total buyer cash needed$368,666.62
Remaining funds due$368,666.62
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$794.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$542.75
Initial HOA (3 months)$105.00
Prepaid interest, first (26 days)$471.90
Fees + prepaids$12,531.97
Your down payment is the seller’s equity. You take over the $158,865 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $368,666.62 is due at closing. Uses and sources reconcile at $527,531.97 each. Not a Closing Disclosure.