Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$363,569Cash toward the purchase price.
Closing costs + prepaids$12,227Not just lender fees.
Before credits & paid funds$375,796The complete starting cash picture.
Estimated remaining funds due at closing
$375,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,568.65
Your down payment$363,568.65
Closing costs + prepaids$12,227.49
Total buyer cash needed$375,796.14
Remaining funds due$375,796.14
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$707.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$518.25
Prepaid interest, first (31 days)$484.08
Fees + prepaids$12,227.49
Your down payment is the seller’s equity. You take over the $141,431 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $375,796.14 is due at closing. Uses and sources reconcile at $517,227.49 each. Not a Closing Disclosure.