Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$380,093Cash toward the purchase price.
Closing costs + prepaids$23,096Not just lender fees.
Before credits & paid funds$403,189The complete starting cash picture.
Estimated remaining funds due at closing
$403,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,093.28
Your down payment$380,093.28
Closing costs + prepaids$23,095.65
Total buyer cash needed$403,188.93
Remaining funds due$403,188.93
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%)$9,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,089.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$654.25
Prepaid interest, first (27 days)$3,153.86
Fees + prepaids$23,095.65
Your down payment is the seller’s equity. You take over the $617,907 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $403,188.93 is due at closing. Uses and sources reconcile at $1,021,095.65 each. Not a Closing Disclosure.