Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$379,727Cash toward the purchase price.
Closing costs + prepaids$22,365Not just lender fees.
Before credits & paid funds$402,092The complete starting cash picture.
Estimated remaining funds due at closing
$402,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,727.09
Your down payment$379,727.09
Closing costs + prepaids$22,365.20
Total buyer cash needed$402,092.29
Remaining funds due$402,092.29
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,976.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$712.75
Prepaid interest, first (27 days)$2,708.08
Fees + prepaids$22,365.20
Your down payment is the seller’s equity. You take over the $595,273 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $402,092.29 is due at closing. Uses and sources reconcile at $997,365.20 each. Not a Closing Disclosure.