Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$352,890Cash toward the purchase price.
Closing costs + prepaids$13,717Not just lender fees.
Before credits & paid funds$366,608The complete starting cash picture.
Estimated remaining funds due at closing
$366,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,890.24
Your down payment$352,890.24
Closing costs + prepaids$13,717.37
Total buyer cash needed$366,607.61
Remaining funds due$366,607.61
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$710.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$791.00
Initial HOA (3 months)$1,379.01
Prepaid interest, first (31 days)$418.81
Fees + prepaids$13,717.37
Your down payment is the seller’s equity. You take over the $142,110 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $366,607.61 is due at closing. Uses and sources reconcile at $508,717.37 each. Not a Closing Disclosure.