Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$343,101Cash toward the purchase price.
Closing costs + prepaids$21,592Not just lender fees.
Before credits & paid funds$364,693The complete starting cash picture.
Estimated remaining funds due at closing
$364,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,100.92
Your down payment$343,100.92
Closing costs + prepaids$21,591.71
Total buyer cash needed$364,692.63
Remaining funds due$364,692.63
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%)$2,909.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,312.50
Initial HOA (3 months)$15.00
Prepaid interest, first (18 days)$886.72
Fees + prepaids$21,591.71
Your down payment is the seller’s equity. You take over the $581,899 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $364,692.63 is due at closing. Uses and sources reconcile at $946,591.71 each. Not a Closing Disclosure.