Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$363,693Cash toward the purchase price.
Closing costs + prepaids$22,576Not just lender fees.
Before credits & paid funds$386,269The complete starting cash picture.
Estimated remaining funds due at closing
$386,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,692.80
Your down payment$363,692.80
Closing costs + prepaids$22,575.87
Total buyer cash needed$386,268.68
Remaining funds due$386,268.68
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,181.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,250.00
Prepaid interest, first (17 days)$1,926.35
Fees + prepaids$22,575.87
Your down payment is the seller’s equity. You take over the $636,306 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $386,268.68 is due at closing. Uses and sources reconcile at $1,022,574.87 each. Not a Closing Disclosure.