Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$365,863Cash toward the purchase price.
Closing costs + prepaids$22,261Not just lender fees.
Before credits & paid funds$388,124The complete starting cash picture.
Estimated remaining funds due at closing
$388,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,863.25
Your down payment$365,863.25
Closing costs + prepaids$22,261.03
Total buyer cash needed$388,124.28
Remaining funds due$388,124.28
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,915.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,372.50
Prepaid interest, first (29 days)$1,264.85
Fees + prepaids$22,261.03
Your down payment is the seller’s equity. You take over the $583,137 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $388,124.28 is due at closing. Uses and sources reconcile at $971,261.03 each. Not a Closing Disclosure.