Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$312,848Cash toward the purchase price.
Closing costs + prepaids$22,041Not just lender fees.
Before credits & paid funds$334,890The complete starting cash picture.
Estimated remaining funds due at closing
$334,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,848.37
Your down payment$312,848.37
Closing costs + prepaids$22,041.31
Total buyer cash needed$334,889.67
Remaining funds due$334,889.67
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,685.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$850.00
Initial HOA (3 months)$525.00
Prepaid interest, first (2 days)$262.55
Fees + prepaids$22,041.31
Your down payment is the seller’s equity. You take over the $737,152 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $334,889.67 is due at closing. Uses and sources reconcile at $1,072,041.31 each. Not a Closing Disclosure.