Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$347,890Cash toward the purchase price.
Closing costs + prepaids$20,733Not just lender fees.
Before credits & paid funds$368,623The complete starting cash picture.
Estimated remaining funds due at closing
$368,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,889.93
Your down payment$347,889.93
Closing costs + prepaids$20,733.33
Total buyer cash needed$368,623.26
Remaining funds due$368,623.26
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%)$9,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,060.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$607.75
Prepaid interest, first (26 days)$1,247.03
Fees + prepaids$20,733.33
Your down payment is the seller’s equity. You take over the $612,110 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $368,623.26 is due at closing. Uses and sources reconcile at $980,733.33 each. Not a Closing Disclosure.