Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$375,386Cash toward the purchase price.
Closing costs + prepaids$11,632Not just lender fees.
Before credits & paid funds$387,018The complete starting cash picture.
Estimated remaining funds due at closing
$387,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,385.77
Your down payment$375,385.77
Closing costs + prepaids$11,632.16
Total buyer cash needed$387,017.93
Remaining funds due$387,017.93
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$423.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.00
Initial HOA (3 months)$450.00
Prepaid interest, first (12 days)$139.09
Fees + prepaids$11,632.16
Your down payment is the seller’s equity. You take over the $84,614 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $387,017.93 is due at closing. Uses and sources reconcile at $471,632.16 each. Not a Closing Disclosure.