Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$361,549Cash toward the purchase price.
Closing costs + prepaids$15,552Not just lender fees.
Before credits & paid funds$377,101The complete starting cash picture.
Estimated remaining funds due at closing
$377,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,548.70
Your down payment$361,548.70
Closing costs + prepaids$15,552.40
Total buyer cash needed$377,101.10
Remaining funds due$377,101.10
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%)$6,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,372.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,590.00
Prepaid interest, first (28 days)$762.15
Fees + prepaids$15,552.40
Your down payment is the seller’s equity. You take over the $274,451 balance, so the rest of the $636,000 price is paid at closing. A second mortgage can cover part of it. $377,101.10 is due at closing. Uses and sources reconcile at $651,552.40 each. Not a Closing Disclosure.