Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$362,484Cash toward the purchase price.
Closing costs + prepaids$14,468Not just lender fees.
Before credits & paid funds$376,952The complete starting cash picture.
Estimated remaining funds due at closing
$376,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,484.13
Your down payment$362,484.13
Closing costs + prepaids$14,468.28
Total buyer cash needed$376,952.41
Remaining funds due$376,952.41
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%)$5,748.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,061.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.00
Initial HOA (3 months)$459.00
Prepaid interest, first (31 days)$1,157.95
Fees + prepaids$14,468.28
Your down payment is the seller’s equity. You take over the $212,366 balance, so the rest of the $574,850 price is paid at closing. A second mortgage can cover part of it. $376,952.41 is due at closing. Uses and sources reconcile at $589,318.28 each. Not a Closing Disclosure.