Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$373,224Cash toward the purchase price.
Closing costs + prepaids$19,565Not just lender fees.
Before credits & paid funds$392,789The complete starting cash picture.
Estimated remaining funds due at closing
$392,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,223.73
Your down payment$373,223.73
Closing costs + prepaids$19,565.36
Total buyer cash needed$392,789.09
Remaining funds due$392,789.09
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,883.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$688.75
Initial HOA (3 months)$230.01
Prepaid interest, first (1 days)$44.72
Fees + prepaids$19,565.36
Your down payment is the seller’s equity. You take over the $576,776 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $392,789.09 is due at closing. Uses and sources reconcile at $969,565.36 each. Not a Closing Disclosure.