Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$378,662Cash toward the purchase price.
Closing costs + prepaids$21,685Not just lender fees.
Before credits & paid funds$400,347The complete starting cash picture.
Estimated remaining funds due at closing
$400,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,661.93
Your down payment$378,661.93
Closing costs + prepaids$21,684.78
Total buyer cash needed$400,346.71
Remaining funds due$400,346.71
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,851.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$986.00
Initial HOA (3 months)$204.00
Prepaid interest, first (18 days)$1,935.09
Fees + prepaids$21,684.78
Your down payment is the seller’s equity. You take over the $570,338 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $400,346.71 is due at closing. Uses and sources reconcile at $970,684.78 each. Not a Closing Disclosure.