Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$309,945Cash toward the purchase price.
Closing costs + prepaids$23,481Not just lender fees.
Before credits & paid funds$333,426The complete starting cash picture.
Estimated remaining funds due at closing
$333,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,945.27
Your down payment$309,945.27
Closing costs + prepaids$23,480.68
Total buyer cash needed$333,425.96
Remaining funds due$333,425.96
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,450.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,500.00
Prepaid interest, first (26 days)$1,312.43
Fees + prepaids$23,480.68
Your down payment is the seller’s equity. You take over the $690,054 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $333,425.96 is due at closing. Uses and sources reconcile at $1,023,479.68 each. Not a Closing Disclosure.