Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$381,195Cash toward the purchase price.
Closing costs + prepaids$12,866Not just lender fees.
Before credits & paid funds$394,061The complete starting cash picture.
Estimated remaining funds due at closing
$394,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,195.08
Your down payment$381,195.08
Closing costs + prepaids$12,865.71
Total buyer cash needed$394,060.79
Remaining funds due$394,060.79
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$844.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$210.00
Prepaid interest, first (12 days)$183.70
Fees + prepaids$12,865.71
Your down payment is the seller’s equity. You take over the $168,804 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $394,060.79 is due at closing. Uses and sources reconcile at $562,864.71 each. Not a Closing Disclosure.