Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$326,305Cash toward the purchase price.
Closing costs + prepaids$23,727Not just lender fees.
Before credits & paid funds$350,031The complete starting cash picture.
Estimated remaining funds due at closing
$350,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,304.94
Your down payment$326,304.94
Closing costs + prepaids$23,726.53
Total buyer cash needed$350,031.47
Remaining funds due$350,031.47
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,993.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,089.25
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$3,055.81
Fees + prepaids$23,726.53
Your down payment is the seller’s equity. You take over the $598,695 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $350,031.47 is due at closing. Uses and sources reconcile at $948,726.53 each. Not a Closing Disclosure.