Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$388,262Cash toward the purchase price.
Closing costs + prepaids$11,316Not just lender fees.
Before credits & paid funds$399,578The complete starting cash picture.
Estimated remaining funds due at closing
$399,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,262.00
Your down payment$388,262.00
Closing costs + prepaids$11,316.34
Total buyer cash needed$399,578.34
Remaining funds due$399,578.34
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$308.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,125.00
Prepaid interest, first (31 days)$164.65
Fees + prepaids$11,316.34
Your down payment is the seller’s equity. You take over the $61,738 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $399,578.34 is due at closing. Uses and sources reconcile at $461,316.34 each. Not a Closing Disclosure.