Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$322,017Cash toward the purchase price.
Closing costs + prepaids$26,315Not just lender fees.
Before credits & paid funds$348,333The complete starting cash picture.
Estimated remaining funds due at closing
$348,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,017.29
Your down payment$322,017.29
Closing costs + prepaids$26,315.38
Total buyer cash needed$348,332.67
Remaining funds due$348,332.67
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%)$11,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,389.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,999.75
Initial HOA (3 months)$645.00
Prepaid interest, first (1 days)$64.22
Fees + prepaids$26,315.38
Your down payment is the seller’s equity. You take over the $877,883 balance, so the rest of the $1,199,900 price is paid at closing. A second mortgage can cover part of it. $348,332.67 is due at closing. Uses and sources reconcile at $1,226,215.38 each. Not a Closing Disclosure.