Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$392,051Cash toward the purchase price.
Closing costs + prepaids$11,595Not just lender fees.
Before credits & paid funds$403,647The complete starting cash picture.
Estimated remaining funds due at closing
$403,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,051.49
Your down payment$392,051.49
Closing costs + prepaids$11,595.40
Total buyer cash needed$403,646.88
Remaining funds due$403,646.88
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$589.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$152.25
Prepaid interest, first (24 days)$285.40
Fees + prepaids$11,595.40
Your down payment is the seller’s equity. You take over the $117,949 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $403,646.88 is due at closing. Uses and sources reconcile at $521,595.40 each. Not a Closing Disclosure.