Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$396,877Cash toward the purchase price.
Closing costs + prepaids$12,800Not just lender fees.
Before credits & paid funds$409,678The complete starting cash picture.
Estimated remaining funds due at closing
$409,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$396,877.31
Your down payment$396,877.31
Closing costs + prepaids$12,800.23
Total buyer cash needed$409,677.54
Remaining funds due$409,677.54
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$765.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$356.75
Prepaid interest, first (28 days)$711.37
Fees + prepaids$12,800.23
Your down payment is the seller’s equity. You take over the $153,023 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $409,677.54 is due at closing. Uses and sources reconcile at $562,700.23 each. Not a Closing Disclosure.