Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$373,547Cash toward the purchase price.
Closing costs + prepaids$14,082Not just lender fees.
Before credits & paid funds$387,629The complete starting cash picture.
Estimated remaining funds due at closing
$387,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,546.50
Your down payment$373,546.50
Closing costs + prepaids$14,082.16
Total buyer cash needed$387,628.66
Remaining funds due$387,628.66
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,032.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,168.25
Initial HOA (3 months)$147.00
Prepaid interest, first (30 days)$466.64
Fees + prepaids$14,082.16
Your down payment is the seller’s equity. You take over the $206,453 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $387,628.66 is due at closing. Uses and sources reconcile at $594,082.16 each. Not a Closing Disclosure.