Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$358,918Cash toward the purchase price.
Closing costs + prepaids$13,032Not just lender fees.
Before credits & paid funds$371,950The complete starting cash picture.
Estimated remaining funds due at closing
$371,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,917.86
Your down payment$358,917.86
Closing costs + prepaids$13,032.37
Total buyer cash needed$371,950.23
Remaining funds due$371,950.23
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%)$5,376.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$893.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$645.25
Initial HOA (3 months)$330.00
Prepaid interest, first (10 days)$318.36
Fees + prepaids$13,032.37
Your down payment is the seller’s equity. You take over the $178,772 balance, so the rest of the $537,690 price is paid at closing. A second mortgage can cover part of it. $371,950.23 is due at closing. Uses and sources reconcile at $550,722.37 each. Not a Closing Disclosure.