Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$356,435Cash toward the purchase price.
Closing costs + prepaids$22,755Not just lender fees.
Before credits & paid funds$379,190The complete starting cash picture.
Estimated remaining funds due at closing
$379,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,435.41
Your down payment$356,435.41
Closing costs + prepaids$22,755.03
Total buyer cash needed$379,190.44
Remaining funds due$379,190.44
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%)$3,717.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,505.50
Initial HOA (3 months)$54.99
Prepaid interest, first (2 days)$258.72
Fees + prepaids$22,755.03
Your down payment is the seller’s equity. You take over the $743,565 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $379,190.44 is due at closing. Uses and sources reconcile at $1,122,755.03 each. Not a Closing Disclosure.