Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$353,108Cash toward the purchase price.
Closing costs + prepaids$20,656Not just lender fees.
Before credits & paid funds$373,764The complete starting cash picture.
Estimated remaining funds due at closing
$373,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,108.23
Your down payment$353,108.23
Closing costs + prepaids$20,655.84
Total buyer cash needed$373,764.07
Remaining funds due$373,764.07
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,979.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.50
Initial HOA (3 months)$82.50
Prepaid interest, first (21 days)$987.38
Fees + prepaids$20,655.84
Your down payment is the seller’s equity. You take over the $595,892 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $373,764.07 is due at closing. Uses and sources reconcile at $969,655.84 each. Not a Closing Disclosure.