Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$306,591Cash toward the purchase price.
Closing costs + prepaids$21,089Not just lender fees.
Before credits & paid funds$327,680The complete starting cash picture.
Estimated remaining funds due at closing
$327,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,590.98
Your down payment$306,590.98
Closing costs + prepaids$21,088.68
Total buyer cash needed$327,679.66
Remaining funds due$327,679.66
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,217.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,140.00
Initial HOA (3 months)$360.00
Prepaid interest, first (12 days)$653.63
Fees + prepaids$21,088.68
Your down payment is the seller’s equity. You take over the $643,409 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $327,679.66 is due at closing. Uses and sources reconcile at $971,088.68 each. Not a Closing Disclosure.