Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$374,311Cash toward the purchase price.
Closing costs + prepaids$12,823Not just lender fees.
Before credits & paid funds$387,134The complete starting cash picture.
Estimated remaining funds due at closing
$387,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,311.15
Your down payment$374,311.15
Closing costs + prepaids$12,823.08
Total buyer cash needed$387,134.22
Remaining funds due$387,134.22
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$728.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$950.25
Prepaid interest, first (31 days)$476.38
Fees + prepaids$12,823.08
Your down payment is the seller’s equity. You take over the $145,689 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $387,134.22 is due at closing. Uses and sources reconcile at $532,823.08 each. Not a Closing Disclosure.