Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$373,425Cash toward the purchase price.
Closing costs + prepaids$13,117Not just lender fees.
Before credits & paid funds$386,542The complete starting cash picture.
Estimated remaining funds due at closing
$386,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,425.30
Your down payment$373,425.30
Closing costs + prepaids$13,117.16
Total buyer cash needed$386,542.46
Remaining funds due$386,542.46
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%)$5,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$947.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$403.00
Initial HOA (3 months)$615.00
Prepaid interest, first (2 days)$53.29
Fees + prepaids$13,117.16
Your down payment is the seller’s equity. You take over the $189,575 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $386,542.46 is due at closing. Uses and sources reconcile at $576,117.16 each. Not a Closing Disclosure.