Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$388,963Cash toward the purchase price.
Closing costs + prepaids$21,230Not just lender fees.
Before credits & paid funds$410,193The complete starting cash picture.
Estimated remaining funds due at closing
$410,193No 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$21,230.01
Total buyer cash needed$410,193.14
Remaining funds due$410,193.14
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)$988.00
Prepaid interest, first (21 days)$973.33
Fees + prepaids$21,230.01
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. $410,193.14 is due at closing. Uses and sources reconcile at $1,020,930.01 each. Not a Closing Disclosure.