Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$360,085Cash toward the purchase price.
Closing costs + prepaids$23,429Not just lender fees.
Before credits & paid funds$383,515The complete starting cash picture.
Estimated remaining funds due at closing
$383,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,085.36
Your down payment$360,085.36
Closing costs + prepaids$23,429.35
Total buyer cash needed$383,514.71
Remaining funds due$383,514.71
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,949.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,609.00
Initial HOA (3 months)$813.00
Prepaid interest, first (31 days)$2,339.78
Fees + prepaids$23,429.35
Your down payment is the seller’s equity. You take over the $589,915 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $383,514.71 is due at closing. Uses and sources reconcile at $973,429.35 each. Not a Closing Disclosure.