Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$301,236Cash toward the purchase price.
Closing costs + prepaids$23,597Not just lender fees.
Before credits & paid funds$324,832The complete starting cash picture.
Estimated remaining funds due at closing
$324,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,235.77
Your down payment$301,235.77
Closing costs + prepaids$23,596.64
Total buyer cash needed$324,832.41
Remaining funds due$324,832.41
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%)$9,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,178.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,342.50
Prepaid interest, first (28 days)$2,487.32
Fees + prepaids$23,596.64
Your down payment is the seller’s equity. You take over the $635,764 balance, so the rest of the $937,000 price is paid at closing. A second mortgage can cover part of it. $324,832.41 is due at closing. Uses and sources reconcile at $960,596.64 each. Not a Closing Disclosure.