Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$387,462Cash toward the purchase price.
Closing costs + prepaids$10,262Not just lender fees.
Before credits & paid funds$397,723The complete starting cash picture.
Estimated remaining funds due at closing
$397,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,461.94
Your down payment$387,461.94
Closing costs + prepaids$10,261.51
Total buyer cash needed$397,723.45
Remaining funds due$397,723.45
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%)$4,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$237.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.50
Prepaid interest, first (28 days)$124.82
Fees + prepaids$10,261.51
Your down payment is the seller’s equity. You take over the $47,438 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $397,723.45 is due at closing. Uses and sources reconcile at $445,161.51 each. Not a Closing Disclosure.