Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$384,309Cash toward the purchase price.
Closing costs + prepaids$23,162Not just lender fees.
Before credits & paid funds$407,470The complete starting cash picture.
Estimated remaining funds due at closing
$407,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,308.64
Your down payment$384,308.64
Closing costs + prepaids$23,161.66
Total buyer cash needed$407,470.31
Remaining funds due$407,470.31
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%)$9,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,923.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,095.25
Initial HOA (3 months)$131.25
Prepaid interest, first (26 days)$1,103.71
Fees + prepaids$23,161.66
Your down payment is the seller’s equity. You take over the $584,691 balance, so the rest of the $969,000 price is paid at closing. A second mortgage can cover part of it. $407,470.31 is due at closing. Uses and sources reconcile at $992,161.66 each. Not a Closing Disclosure.