Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$328,676Cash toward the purchase price.
Closing costs + prepaids$19,059Not just lender fees.
Before credits & paid funds$347,735The complete starting cash picture.
Estimated remaining funds due at closing
$347,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,676.32
Your down payment$328,676.32
Closing costs + prepaids$19,058.73
Total buyer cash needed$347,735.04
Remaining funds due$347,735.04
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,981.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$519.25
Prepaid interest, first (2 days)$89.86
Fees + prepaids$19,058.73
Your down payment is the seller’s equity. You take over the $596,324 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $347,735.04 is due at closing. Uses and sources reconcile at $944,058.73 each. Not a Closing Disclosure.