Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$332,060Cash toward the purchase price.
Closing costs + prepaids$21,642Not just lender fees.
Before credits & paid funds$353,703The complete starting cash picture.
Estimated remaining funds due at closing
$353,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,060.28
Your down payment$332,060.28
Closing costs + prepaids$21,642.41
Total buyer cash needed$353,702.68
Remaining funds due$353,702.68
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%)$9,596.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,137.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$777.25
Initial HOA (3 months)$450.00
Prepaid interest, first (28 days)$1,463.46
Fees + prepaids$21,642.41
Your down payment is the seller’s equity. You take over the $627,540 balance, so the rest of the $959,600 price is paid at closing. A second mortgage can cover part of it. $353,702.68 is due at closing. Uses and sources reconcile at $981,242.41 each. Not a Closing Disclosure.