Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$360,023Cash toward the purchase price.
Closing costs + prepaids$10,859Not just lender fees.
Before credits & paid funds$370,882The complete starting cash picture.
Estimated remaining funds due at closing
$370,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,022.92
Your down payment$360,022.92
Closing costs + prepaids$10,859.47
Total buyer cash needed$370,882.39
Remaining funds due$370,882.39
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$449.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (6 days)$151.60
Fees + prepaids$10,859.47
Your down payment is the seller’s equity. You take over the $89,976 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $370,882.39 is due at closing. Uses and sources reconcile at $460,858.47 each. Not a Closing Disclosure.