Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$382,386Cash toward the purchase price.
Closing costs + prepaids$11,896Not just lender fees.
Before credits & paid funds$394,282The complete starting cash picture.
Estimated remaining funds due at closing
$394,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,386.02
Your down payment$382,386.02
Closing costs + prepaids$11,896.23
Total buyer cash needed$394,282.25
Remaining funds due$394,282.25
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$583.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$521.50
Initial HOA (3 months)$77.01
Prepaid interest, first (29 days)$256.65
Fees + prepaids$11,896.23
Your down payment is the seller’s equity. You take over the $116,614 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $394,282.25 is due at closing. Uses and sources reconcile at $510,896.23 each. Not a Closing Disclosure.