Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$368,866Cash toward the purchase price.
Closing costs + prepaids$13,921Not just lender fees.
Before credits & paid funds$382,787The complete starting cash picture.
Estimated remaining funds due at closing
$382,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,866.03
Your down payment$368,866.03
Closing costs + prepaids$13,921.31
Total buyer cash needed$382,787.33
Remaining funds due$382,787.33
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,255.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$125.75
Initial HOA (3 months)$71.01
Prepaid interest, first (30 days)$800.88
Fees + prepaids$13,921.31
Your down payment is the seller’s equity. You take over the $251,134 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $382,787.33 is due at closing. Uses and sources reconcile at $633,921.31 each. Not a Closing Disclosure.