Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$380,814Cash toward the purchase price.
Closing costs + prepaids$13,119Not just lender fees.
Before credits & paid funds$393,933The complete starting cash picture.
Estimated remaining funds due at closing
$393,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,814.27
Your down payment$380,814.27
Closing costs + prepaids$13,118.94
Total buyer cash needed$393,933.21
Remaining funds due$393,933.21
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$795.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,376.75
Prepaid interest, first (5 days)$79.76
Fees + prepaids$13,118.94
Your down payment is the seller’s equity. You take over the $159,086 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $393,933.21 is due at closing. Uses and sources reconcile at $553,018.94 each. Not a Closing Disclosure.