Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$329,010Cash toward the purchase price.
Closing costs + prepaids$21,008Not just lender fees.
Before credits & paid funds$350,018The complete starting cash picture.
Estimated remaining funds due at closing
$350,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,009.77
Your down payment$329,009.77
Closing costs + prepaids$21,007.90
Total buyer cash needed$350,017.67
Remaining funds due$350,017.67
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%)$9,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,904.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$832.75
Initial HOA (3 months)$462.00
Prepaid interest, first (31 days)$1,490.20
Fees + prepaids$21,007.90
Your down payment is the seller’s equity. You take over the $580,990 balance, so the rest of the $910,000 price is paid at closing. A second mortgage can cover part of it. $350,017.67 is due at closing. Uses and sources reconcile at $931,007.90 each. Not a Closing Disclosure.