Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$372,026Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$384,639The complete starting cash picture.
Estimated remaining funds due at closing
$384,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,026.47
Your down payment$372,026.47
Closing costs + prepaids$12,612.66
Total buyer cash needed$384,639.13
Remaining funds due$384,639.13
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$889.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$160.75
Prepaid interest, first (31 days)$594.04
Fees + prepaids$12,612.66
Your down payment is the seller’s equity. You take over the $177,974 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $384,639.13 is due at closing. Uses and sources reconcile at $562,612.66 each. Not a Closing Disclosure.