Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$348,570Cash toward the purchase price.
Closing costs + prepaids$25,007Not just lender fees.
Before credits & paid funds$373,577The complete starting cash picture.
Estimated remaining funds due at closing
$373,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,570.42
Your down payment$348,570.42
Closing costs + prepaids$25,007.04
Total buyer cash needed$373,577.47
Remaining funds due$373,577.47
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,757.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$483.50
Prepaid interest, first (31 days)$3,548.39
Fees + prepaids$25,007.04
Your down payment is the seller’s equity. You take over the $751,430 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $373,577.47 is due at closing. Uses and sources reconcile at $1,125,007.04 each. Not a Closing Disclosure.