Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$387,539Cash toward the purchase price.
Closing costs + prepaids$20,310Not just lender fees.
Before credits & paid funds$407,850The complete starting cash picture.
Estimated remaining funds due at closing
$407,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,539.39
Your down payment$387,539.39
Closing costs + prepaids$20,310.26
Total buyer cash needed$407,849.65
Remaining funds due$407,849.65
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%)$9,997.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,060.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$988.00
Prepaid interest, first (1 days)$46.46
Fees + prepaids$20,310.26
Your down payment is the seller’s equity. You take over the $612,161 balance, so the rest of the $999,700 price is paid at closing. A second mortgage can cover part of it. $407,849.65 is due at closing. Uses and sources reconcile at $1,020,010.26 each. Not a Closing Disclosure.