Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$366,010Cash toward the purchase price.
Closing costs + prepaids$12,781Not just lender fees.
Before credits & paid funds$378,790The complete starting cash picture.
Estimated remaining funds due at closing
$378,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,009.75
Your down payment$366,009.75
Closing costs + prepaids$12,780.69
Total buyer cash needed$378,790.45
Remaining funds due$378,790.45
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$919.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$313.25
Prepaid interest, first (31 days)$580.99
Fees + prepaids$12,780.69
Your down payment is the seller’s equity. You take over the $183,890 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $378,790.45 is due at closing. Uses and sources reconcile at $562,680.69 each. Not a Closing Disclosure.