Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$394,966Cash toward the purchase price.
Closing costs + prepaids$23,123Not just lender fees.
Before credits & paid funds$418,089The complete starting cash picture.
Estimated remaining funds due at closing
$418,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,965.69
Your down payment$394,965.69
Closing costs + prepaids$23,123.37
Total buyer cash needed$418,089.07
Remaining funds due$418,089.07
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%)$9,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,000.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,487.50
Prepaid interest, first (31 days)$1,467.70
Fees + prepaids$23,123.37
Your down payment is the seller’s equity. You take over the $600,034 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $418,089.07 is due at closing. Uses and sources reconcile at $1,018,123.37 each. Not a Closing Disclosure.