Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$316,152Cash toward the purchase price.
Closing costs + prepaids$21,577Not just lender fees.
Before credits & paid funds$337,729The complete starting cash picture.
Estimated remaining funds due at closing
$337,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,151.78
Your down payment$316,151.78
Closing costs + prepaids$21,577.48
Total buyer cash needed$337,729.26
Remaining funds due$337,729.26
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,414.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,198.75
Initial HOA (3 months)$279.99
Prepaid interest, first (9 days)$476.50
Fees + prepaids$21,577.48
Your down payment is the seller’s equity. You take over the $682,848 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $337,729.26 is due at closing. Uses and sources reconcile at $1,020,577.48 each. Not a Closing Disclosure.