Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$383,828Cash toward the purchase price.
Closing costs + prepaids$13,082Not just lender fees.
Before credits & paid funds$396,910The complete starting cash picture.
Estimated remaining funds due at closing
$396,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,827.78
Your down payment$383,827.78
Closing costs + prepaids$13,081.91
Total buyer cash needed$396,909.69
Remaining funds due$396,909.69
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$780.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,377.00
Prepaid interest, first (5 days)$56.05
Fees + prepaids$13,081.91
Your down payment is the seller’s equity. You take over the $156,172 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $396,909.69 is due at closing. Uses and sources reconcile at $553,081.91 each. Not a Closing Disclosure.