Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$386,325Cash toward the purchase price.
Closing costs + prepaids$11,972Not just lender fees.
Before credits & paid funds$398,296The complete starting cash picture.
Estimated remaining funds due at closing
$398,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,324.62
Your down payment$386,324.62
Closing costs + prepaids$11,971.87
Total buyer cash needed$398,296.49
Remaining funds due$398,296.49
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$468.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$621.75
Initial HOA (3 months)$255.00
Prepaid interest, first (29 days)$358.74
Fees + prepaids$11,971.87
Your down payment is the seller’s equity. You take over the $93,675 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $398,296.49 is due at closing. Uses and sources reconcile at $491,971.87 each. Not a Closing Disclosure.