Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$390,248Cash toward the purchase price.
Closing costs + prepaids$13,010Not just lender fees.
Before credits & paid funds$403,257The complete starting cash picture.
Estimated remaining funds due at closing
$403,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,247.58
Your down payment$390,247.58
Closing costs + prepaids$13,009.79
Total buyer cash needed$403,257.37
Remaining funds due$403,257.37
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$593.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$951.75
Initial HOA (3 months)$540.00
Prepaid interest, first (26 days)$366.28
Fees + prepaids$13,009.79
Your down payment is the seller’s equity. You take over the $118,752 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $403,257.37 is due at closing. Uses and sources reconcile at $522,009.79 each. Not a Closing Disclosure.