Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$330,080Cash toward the purchase price.
Closing costs + prepaids$20,351Not just lender fees.
Before credits & paid funds$350,431The complete starting cash picture.
Estimated remaining funds due at closing
$350,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,079.98
Your down payment$330,079.98
Closing costs + prepaids$20,351.36
Total buyer cash needed$350,431.34
Remaining funds due$350,431.34
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%)$2,974.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$519.25
Prepaid interest, first (31 days)$1,389.50
Fees + prepaids$20,351.36
Your down payment is the seller’s equity. You take over the $594,920 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $350,431.34 is due at closing. Uses and sources reconcile at $945,351.36 each. Not a Closing Disclosure.