Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$388,963Cash toward the purchase price.
Closing costs + prepaids$20,886Not just lender fees.
Before credits & paid funds$409,849The complete starting cash picture.
Estimated remaining funds due at closing
$409,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,963.12
Your down payment$388,963.12
Closing costs + prepaids$20,885.58
Total buyer cash needed$409,848.70
Remaining funds due$409,848.70
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%)$9,997.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,053.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,199.75
Prepaid interest, first (9 days)$417.14
Fees + prepaids$20,885.58
Your down payment is the seller’s equity. You take over the $610,737 balance, so the rest of the $999,700 price is paid at closing. A second mortgage can cover part of it. $409,848.70 is due at closing. Uses and sources reconcile at $1,020,585.58 each. Not a Closing Disclosure.