Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$360,182Cash toward the purchase price.
Closing costs + prepaids$13,081Not just lender fees.
Before credits & paid funds$373,262The complete starting cash picture.
Estimated remaining funds due at closing
$373,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,181.52
Your down payment$360,181.52
Closing costs + prepaids$13,080.54
Total buyer cash needed$373,262.06
Remaining funds due$373,262.06
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$998.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$560.25
Prepaid interest, first (30 days)$454.70
Fees + prepaids$13,080.54
Your down payment is the seller’s equity. You take over the $199,718 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $373,262.06 is due at closing. Uses and sources reconcile at $572,980.54 each. Not a Closing Disclosure.