Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$383,828Cash toward the purchase price.
Closing costs + prepaids$13,754Not just lender fees.
Before credits & paid funds$397,582The complete starting cash picture.
Estimated remaining funds due at closing
$397,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,827.78
Your down payment$383,827.78
Closing costs + prepaids$13,754.16
Total buyer cash needed$397,581.93
Remaining funds due$397,581.93
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$780.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,836.25
Prepaid interest, first (24 days)$269.04
Fees + prepaids$13,754.16
Your down payment is the seller’s equity. You take over the $156,172 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $397,581.93 is due at closing. Uses and sources reconcile at $553,754.16 each. Not a Closing Disclosure.