Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$310,492Cash toward the purchase price.
Closing costs + prepaids$22,157Not just lender fees.
Before credits & paid funds$332,649The complete starting cash picture.
Estimated remaining funds due at closing
$332,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,492.35
Your down payment$310,492.35
Closing costs + prepaids$22,156.64
Total buyer cash needed$332,648.99
Remaining funds due$332,648.99
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%)$3,192.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$710.00
Initial HOA (3 months)$141.99
Prepaid interest, first (27 days)$2,404.11
Fees + prepaids$22,156.64
Your down payment is the seller’s equity. You take over the $638,508 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $332,648.99 is due at closing. Uses and sources reconcile at $971,156.64 each. Not a Closing Disclosure.