Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$380,991Cash toward the purchase price.
Closing costs + prepaids$12,745Not just lender fees.
Before credits & paid funds$393,736The complete starting cash picture.
Estimated remaining funds due at closing
$393,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,990.51
Your down payment$380,990.51
Closing costs + prepaids$12,745.12
Total buyer cash needed$393,735.64
Remaining funds due$393,735.64
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$870.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.00
Prepaid interest, first (12 days)$191.08
Fees + prepaids$12,745.12
Your down payment is the seller’s equity. You take over the $174,009 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $393,735.64 is due at closing. Uses and sources reconcile at $567,745.12 each. Not a Closing Disclosure.