Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$384,261Cash toward the purchase price.
Closing costs + prepaids$22,464Not just lender fees.
Before credits & paid funds$406,725The complete starting cash picture.
Estimated remaining funds due at closing
$406,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,261.07
Your down payment$384,261.07
Closing costs + prepaids$22,464.31
Total buyer cash needed$406,725.38
Remaining funds due$406,725.38
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%)$9,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,778.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,350.00
Prepaid interest, first (29 days)$1,717.61
Fees + prepaids$22,464.31
Your down payment is the seller’s equity. You take over the $555,739 balance, so the rest of the $940,000 price is paid at closing. A second mortgage can cover part of it. $406,725.38 is due at closing. Uses and sources reconcile at $962,464.31 each. Not a Closing Disclosure.