Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$363,693Cash toward the purchase price.
Closing costs + prepaids$22,631Not just lender fees.
Before credits & paid funds$386,324The complete starting cash picture.
Estimated remaining funds due at closing
$386,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,692.80
Your down payment$363,692.80
Closing costs + prepaids$22,631.02
Total buyer cash needed$386,323.82
Remaining funds due$386,323.82
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,181.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$172.00
Prepaid interest, first (27 days)$3,059.50
Fees + prepaids$22,631.02
Your down payment is the seller’s equity. You take over the $636,306 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $386,323.82 is due at closing. Uses and sources reconcile at $1,022,630.02 each. Not a Closing Disclosure.