Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$318,994Cash toward the purchase price.
Closing costs + prepaids$22,617Not just lender fees.
Before credits & paid funds$341,611The complete starting cash picture.
Estimated remaining funds due at closing
$341,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,994.49
Your down payment$318,994.49
Closing costs + prepaids$22,616.70
Total buyer cash needed$341,611.20
Remaining funds due$341,611.20
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%)$3,155.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,375.00
Prepaid interest, first (29 days)$1,368.68
Fees + prepaids$22,616.70
Your down payment is the seller’s equity. You take over the $631,006 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $341,611.20 is due at closing. Uses and sources reconcile at $972,616.70 each. Not a Closing Disclosure.