Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$380,447Cash toward the purchase price.
Closing costs + prepaids$14,555Not just lender fees.
Before credits & paid funds$395,003The complete starting cash picture.
Estimated remaining funds due at closing
$395,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,447.47
Your down payment$380,447.47
Closing costs + prepaids$14,555.26
Total buyer cash needed$395,002.73
Remaining funds due$395,002.73
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%)$5,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,057.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$710.50
Initial HOA (3 months)$1,248.24
Prepaid interest, first (9 days)$150.75
Fees + prepaids$14,555.26
Your down payment is the seller’s equity. You take over the $211,553 balance, so the rest of the $592,000 price is paid at closing. A second mortgage can cover part of it. $395,002.73 is due at closing. Uses and sources reconcile at $606,555.26 each. Not a Closing Disclosure.