Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$364,686Cash toward the purchase price.
Closing costs + prepaids$12,329Not just lender fees.
Before credits & paid funds$377,014The complete starting cash picture.
Estimated remaining funds due at closing
$377,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,685.54
Your down payment$364,685.54
Closing costs + prepaids$12,328.94
Total buyer cash needed$377,014.48
Remaining funds due$377,014.48
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$751.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$747.00
Initial HOA (3 months)$180.00
Prepaid interest, first (2 days)$32.37
Fees + prepaids$12,328.94
Your down payment is the seller’s equity. You take over the $150,314 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $377,014.48 is due at closing. Uses and sources reconcile at $527,328.94 each. Not a Closing Disclosure.