Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$378,584Cash toward the purchase price.
Closing costs + prepaids$13,543Not just lender fees.
Before credits & paid funds$392,127The complete starting cash picture.
Estimated remaining funds due at closing
$392,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,583.74
Your down payment$378,583.74
Closing costs + prepaids$13,543.13
Total buyer cash needed$392,126.87
Remaining funds due$392,126.87
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$952.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$908.75
Prepaid interest, first (30 days)$524.30
Fees + prepaids$13,543.13
Your down payment is the seller’s equity. You take over the $190,416 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $392,126.87 is due at closing. Uses and sources reconcile at $582,543.13 each. Not a Closing Disclosure.