Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$343,299Cash toward the purchase price.
Closing costs + prepaids$18,624Not just lender fees.
Before credits & paid funds$361,924The complete starting cash picture.
Estimated remaining funds due at closing
$361,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,299.29
Your down payment$343,299.29
Closing costs + prepaids$18,624.29
Total buyer cash needed$361,923.58
Remaining funds due$361,923.58
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%)$8,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,408.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$606.50
Prepaid interest, first (23 days)$1,141.30
Fees + prepaids$18,624.29
Your down payment is the seller’s equity. You take over the $481,700 balance, so the rest of the $824,999 price is paid at closing. A second mortgage can cover part of it. $361,923.58 is due at closing. Uses and sources reconcile at $843,623.29 each. Not a Closing Disclosure.