Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$376,688Cash toward the purchase price.
Closing costs + prepaids$12,966Not just lender fees.
Before credits & paid funds$389,654The complete starting cash picture.
Estimated remaining funds due at closing
$389,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,688.09
Your down payment$376,688.09
Closing costs + prepaids$12,965.76
Total buyer cash needed$389,653.85
Remaining funds due$389,653.85
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%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$786.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,335.00
Prepaid interest, first (2 days)$36.20
Fees + prepaids$12,965.76
Your down payment is the seller’s equity. You take over the $157,312 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $389,653.85 is due at closing. Uses and sources reconcile at $546,965.76 each. Not a Closing Disclosure.