Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$383,380Cash toward the purchase price.
Closing costs + prepaids$11,562Not just lender fees.
Before credits & paid funds$394,941The complete starting cash picture.
Estimated remaining funds due at closing
$394,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,379.64
Your down payment$383,379.64
Closing costs + prepaids$11,561.54
Total buyer cash needed$394,941.18
Remaining funds due$394,941.18
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%)$408.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$375.75
Initial HOA (3 months)$494.01
Prepaid interest, first (31 days)$165.68
Fees + prepaids$11,561.54
Your down payment is the seller’s equity. You take over the $81,620 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $394,941.18 is due at closing. Uses and sources reconcile at $476,561.54 each. Not a Closing Disclosure.