Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$377,659Cash toward the purchase price.
Closing costs + prepaids$10,215Not just lender fees.
Before credits & paid funds$387,873The complete starting cash picture.
Estimated remaining funds due at closing
$387,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,658.73
Your down payment$377,658.73
Closing costs + prepaids$10,214.52
Total buyer cash needed$387,873.24
Remaining funds due$387,873.24
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$311.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$128.25
Prepaid interest, first (23 days)$158.06
Fees + prepaids$10,214.52
Your down payment is the seller’s equity. You take over the $62,241 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $387,873.24 is due at closing. Uses and sources reconcile at $450,114.52 each. Not a Closing Disclosure.