Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$391,086Cash toward the purchase price.
Closing costs + prepaids$13,409Not just lender fees.
Before credits & paid funds$404,495The complete starting cash picture.
Estimated remaining funds due at closing
$404,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,086.17
Your down payment$391,086.17
Closing costs + prepaids$13,409.11
Total buyer cash needed$404,495.27
Remaining funds due$404,495.27
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%)$5,820.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$954.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$727.50
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$289.04
Fees + prepaids$13,409.11
Your down payment is the seller’s equity. You take over the $190,914 balance, so the rest of the $582,000 price is paid at closing. A second mortgage can cover part of it. $404,495.27 is due at closing. Uses and sources reconcile at $595,409.11 each. Not a Closing Disclosure.