Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$367,218Cash toward the purchase price.
Closing costs + prepaids$12,254Not just lender fees.
Before credits & paid funds$379,472The complete starting cash picture.
Estimated remaining funds due at closing
$379,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,217.51
Your down payment$367,217.51
Closing costs + prepaids$12,254.32
Total buyer cash needed$379,471.83
Remaining funds due$379,471.83
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$763.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.00
Prepaid interest, first (12 days)$198.41
Fees + prepaids$12,254.32
Your down payment is the seller’s equity. You take over the $152,782 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $379,471.83 is due at closing. Uses and sources reconcile at $532,254.32 each. Not a Closing Disclosure.