Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$368,101Cash toward the purchase price.
Closing costs + prepaids$22,446Not just lender fees.
Before credits & paid funds$390,547The complete starting cash picture.
Estimated remaining funds due at closing
$390,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,100.92
Your down payment$368,100.92
Closing costs + prepaids$22,446.10
Total buyer cash needed$390,547.02
Remaining funds due$390,547.02
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%)$2,909.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,375.00
Initial HOA (3 months)$15.00
Prepaid interest, first (29 days)$1,428.60
Fees + prepaids$22,446.10
Your down payment is the seller’s equity. You take over the $581,899 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $390,547.02 is due at closing. Uses and sources reconcile at $972,446.10 each. Not a Closing Disclosure.