Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$360,618Cash toward the purchase price.
Closing costs + prepaids$21,467Not just lender fees.
Before credits & paid funds$382,086The complete starting cash picture.
Estimated remaining funds due at closing
$382,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,618.47
Your down payment$360,618.47
Closing costs + prepaids$21,467.43
Total buyer cash needed$382,085.91
Remaining funds due$382,085.91
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%)$9,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,186.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$789.25
Prepaid interest, first (23 days)$1,293.27
Fees + prepaids$21,467.43
Your down payment is the seller’s equity. You take over the $637,382 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $382,085.91 is due at closing. Uses and sources reconcile at $1,019,467.43 each. Not a Closing Disclosure.