Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$361,486Cash toward the purchase price.
Closing costs + prepaids$11,757Not just lender fees.
Before credits & paid funds$373,242The complete starting cash picture.
Estimated remaining funds due at closing
$373,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,485.69
Your down payment$361,485.69
Closing costs + prepaids$11,756.74
Total buyer cash needed$373,242.42
Remaining funds due$373,242.42
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$517.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$539.75
Initial HOA (3 months)$231.51
Prepaid interest, first (31 days)$349.91
Fees + prepaids$11,756.74
Your down payment is the seller’s equity. You take over the $103,514 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $373,242.42 is due at closing. Uses and sources reconcile at $476,756.74 each. Not a Closing Disclosure.