Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$339,149Cash toward the purchase price.
Closing costs + prepaids$20,208Not just lender fees.
Before credits & paid funds$359,357The complete starting cash picture.
Estimated remaining funds due at closing
$359,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,149.18
Your down payment$339,149.18
Closing costs + prepaids$20,207.99
Total buyer cash needed$359,357.17
Remaining funds due$359,357.17
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,054.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$19.50
Initial HOA (3 months)$350.01
Prepaid interest, first (23 days)$1,066.23
Fees + prepaids$20,207.99
Your down payment is the seller’s equity. You take over the $610,851 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $359,357.17 is due at closing. Uses and sources reconcile at $970,207.99 each. Not a Closing Disclosure.