Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$379,470Cash toward the purchase price.
Closing costs + prepaids$13,833Not just lender fees.
Before credits & paid funds$393,303The complete starting cash picture.
Estimated remaining funds due at closing
$393,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,470.18
Your down payment$379,470.18
Closing costs + prepaids$13,832.92
Total buyer cash needed$393,303.10
Remaining funds due$393,303.10
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Prepaid interest, first (31 days)$637.27
Fees + prepaids$13,832.92
Your down payment is the seller’s equity. You take over the $170,530 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $393,303.10 is due at closing. Uses and sources reconcile at $563,832.92 each. Not a Closing Disclosure.