Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$359,250Cash toward the purchase price.
Closing costs + prepaids$20,237Not just lender fees.
Before credits & paid funds$379,487The complete starting cash picture.
Estimated remaining funds due at closing
$379,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,249.83
Your down payment$359,249.83
Closing costs + prepaids$20,237.35
Total buyer cash needed$379,487.18
Remaining funds due$379,487.18
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%)$3,193.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$789.25
Prepaid interest, first (1 days)$56.35
Fees + prepaids$20,237.35
Your down payment is the seller’s equity. You take over the $638,750 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $379,487.18 is due at closing. Uses and sources reconcile at $1,018,237.35 each. Not a Closing Disclosure.