Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$374,052Cash toward the purchase price.
Closing costs + prepaids$14,207Not just lender fees.
Before credits & paid funds$388,259The complete starting cash picture.
Estimated remaining funds due at closing
$388,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,051.57
Your down payment$374,051.57
Closing costs + prepaids$14,207.08
Total buyer cash needed$388,258.65
Remaining funds due$388,258.65
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,024.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,533.00
Initial HOA (3 months)$350.01
Prepaid interest, first (2 days)$41.33
Fees + prepaids$14,207.08
Your down payment is the seller’s equity. You take over the $204,948 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $388,258.65 is due at closing. Uses and sources reconcile at $593,207.08 each. Not a Closing Disclosure.