Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$346,024Cash toward the purchase price.
Closing costs + prepaids$23,413Not just lender fees.
Before credits & paid funds$369,437The complete starting cash picture.
Estimated remaining funds due at closing
$369,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,024.23
Your down payment$346,024.23
Closing costs + prepaids$23,413.01
Total buyer cash needed$369,437.24
Remaining funds due$369,437.24
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,264.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,497.50
Prepaid interest, first (28 days)$1,442.63
Fees + prepaids$23,413.01
Your down payment is the seller’s equity. You take over the $652,976 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $369,437.24 is due at closing. Uses and sources reconcile at $1,022,413.01 each. Not a Closing Disclosure.