Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$367,595Cash toward the purchase price.
Closing costs + prepaids$23,303Not just lender fees.
Before credits & paid funds$390,898The complete starting cash picture.
Estimated remaining funds due at closing
$390,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,594.53
Your down payment$367,594.53
Closing costs + prepaids$23,303.19
Total buyer cash needed$390,897.71
Remaining funds due$390,897.71
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,787.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,220.25
Initial HOA (3 months)$384.00
Prepaid interest, first (31 days)$1,443.91
Fees + prepaids$23,303.19
Your down payment is the seller’s equity. You take over the $557,405 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $390,897.71 is due at closing. Uses and sources reconcile at $948,303.19 each. Not a Closing Disclosure.