Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$307,128Cash toward the purchase price.
Closing costs + prepaids$30,069Not just lender fees.
Before credits & paid funds$337,196The complete starting cash picture.
Estimated remaining funds due at closing
$337,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,127.55
Your down payment$307,127.55
Closing costs + prepaids$30,068.92
Total buyer cash needed$337,196.47
Remaining funds due$337,196.47
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,214.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,709.75
Prepaid interest, first (30 days)$4,426.81
Fees + prepaids$30,068.92
Your down payment is the seller’s equity. You take over the $842,872 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $337,196.47 is due at closing. Uses and sources reconcile at $1,180,068.92 each. Not a Closing Disclosure.