Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$377,136Cash toward the purchase price.
Closing costs + prepaids$12,794Not just lender fees.
Before credits & paid funds$389,930The complete starting cash picture.
Estimated remaining funds due at closing
$389,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,136.24
Your down payment$377,136.24
Closing costs + prepaids$12,793.53
Total buyer cash needed$389,929.77
Remaining funds due$389,929.77
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%)$814.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$675.00
Prepaid interest, first (16 days)$436.21
Fees + prepaids$12,793.53
Your down payment is the seller’s equity. You take over the $162,864 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $389,929.77 is due at closing. Uses and sources reconcile at $552,793.53 each. Not a Closing Disclosure.