Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$301,236Cash toward the purchase price.
Closing costs + prepaids$22,708Not just lender fees.
Before credits & paid funds$323,944The complete starting cash picture.
Estimated remaining funds due at closing
$323,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,235.77
Your down payment$301,235.77
Closing costs + prepaids$22,708.31
Total buyer cash needed$323,944.08
Remaining funds due$323,944.08
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%)$9,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,178.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,342.50
Prepaid interest, first (18 days)$1,598.99
Fees + prepaids$22,708.31
Your down payment is the seller’s equity. You take over the $635,764 balance, so the rest of the $937,000 price is paid at closing. A second mortgage can cover part of it. $323,944.08 is due at closing. Uses and sources reconcile at $959,708.31 each. Not a Closing Disclosure.