Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$385,678Cash toward the purchase price.
Closing costs + prepaids$24,416Not just lender fees.
Before credits & paid funds$410,094The complete starting cash picture.
Estimated remaining funds due at closing
$410,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,678.37
Your down payment$385,678.37
Closing costs + prepaids$24,415.80
Total buyer cash needed$410,094.17
Remaining funds due$410,094.17
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%)$9,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,046.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,487.50
Initial HOA (3 months)$1,566.00
Prepaid interest, first (25 days)$1,147.69
Fees + prepaids$24,415.80
Your down payment is the seller’s equity. You take over the $609,322 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $410,094.17 is due at closing. Uses and sources reconcile at $1,019,415.80 each. Not a Closing Disclosure.