Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$373,716Cash toward the purchase price.
Closing costs + prepaids$13,887Not just lender fees.
Before credits & paid funds$387,603The complete starting cash picture.
Estimated remaining funds due at closing
$387,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,716.33
Your down payment$373,716.33
Closing costs + prepaids$13,887.12
Total buyer cash needed$387,603.46
Remaining funds due$387,603.46
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%)$5,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$946.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$403.00
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$824.71
Fees + prepaids$13,887.12
Your down payment is the seller’s equity. You take over the $189,284 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $387,603.46 is due at closing. Uses and sources reconcile at $576,887.12 each. Not a Closing Disclosure.