Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$367,645Cash toward the purchase price.
Closing costs + prepaids$10,357Not just lender fees.
Before credits & paid funds$378,003The complete starting cash picture.
Estimated remaining funds due at closing
$378,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,645.47
Your down payment$367,645.47
Closing costs + prepaids$10,357.14
Total buyer cash needed$378,002.61
Remaining funds due$378,002.61
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$261.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$373.50
Prepaid interest, first (30 days)$305.37
Fees + prepaids$10,357.14
Your down payment is the seller’s equity. You take over the $52,255 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $378,002.61 is due at closing. Uses and sources reconcile at $430,257.14 each. Not a Closing Disclosure.