Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$314,528Cash toward the purchase price.
Closing costs + prepaids$20,736Not just lender fees.
Before credits & paid funds$335,264The complete starting cash picture.
Estimated remaining funds due at closing
$335,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,527.94
Your down payment$314,527.94
Closing costs + prepaids$20,735.92
Total buyer cash needed$335,263.86
Remaining funds due$335,263.86
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%)$3,422.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$772.50
Initial HOA (3 months)$279.99
Prepaid interest, first (1 days)$53.07
Fees + prepaids$20,735.92
Your down payment is the seller’s equity. You take over the $684,472 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $335,263.86 is due at closing. Uses and sources reconcile at $1,019,735.92 each. Not a Closing Disclosure.