Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$331,346Cash toward the purchase price.
Closing costs + prepaids$23,587Not just lender fees.
Before credits & paid funds$354,933The complete starting cash picture.
Estimated remaining funds due at closing
$354,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,346.34
Your down payment$331,346.34
Closing costs + prepaids$23,586.71
Total buyer cash needed$354,933.05
Remaining funds due$354,933.05
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%)$9,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,913.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,285.00
Prepaid interest, first (28 days)$3,030.44
Fees + prepaids$23,586.71
Your down payment is the seller’s equity. You take over the $582,654 balance, so the rest of the $914,000 price is paid at closing. A second mortgage can cover part of it. $354,933.05 is due at closing. Uses and sources reconcile at $937,586.71 each. Not a Closing Disclosure.