Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$360,618Cash toward the purchase price.
Closing costs + prepaids$21,257Not just lender fees.
Before credits & paid funds$381,876The complete starting cash picture.
Estimated remaining funds due at closing
$381,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,618.47
Your down payment$360,618.47
Closing costs + prepaids$21,257.16
Total buyer cash needed$381,875.63
Remaining funds due$381,875.63
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%)$9,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,186.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,197.50
Prepaid interest, first (12 days)$674.75
Fees + prepaids$21,257.16
Your down payment is the seller’s equity. You take over the $637,382 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $381,875.63 is due at closing. Uses and sources reconcile at $1,019,257.16 each. Not a Closing Disclosure.