Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$378,662Cash toward the purchase price.
Closing costs + prepaids$22,867Not just lender fees.
Before credits & paid funds$401,529The complete starting cash picture.
Estimated remaining funds due at closing
$401,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,661.93
Your down payment$378,661.93
Closing costs + prepaids$22,867.33
Total buyer cash needed$401,529.26
Remaining funds due$401,529.26
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,851.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$986.00
Initial HOA (3 months)$204.00
Prepaid interest, first (29 days)$3,117.64
Fees + prepaids$22,867.33
Your down payment is the seller’s equity. You take over the $570,338 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $401,529.26 is due at closing. Uses and sources reconcile at $971,867.33 each. Not a Closing Disclosure.