Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$388,119Cash toward the purchase price.
Closing costs + prepaids$12,881Not just lender fees.
Before credits & paid funds$401,000The complete starting cash picture.
Estimated remaining funds due at closing
$401,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,118.91
Your down payment$388,118.91
Closing costs + prepaids$12,880.71
Total buyer cash needed$400,999.63
Remaining funds due$400,999.63
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$659.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.25
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$728.06
Fees + prepaids$12,880.71
Your down payment is the seller’s equity. You take over the $131,881 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $400,999.63 is due at closing. Uses and sources reconcile at $532,880.71 each. Not a Closing Disclosure.