Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$342,362Cash toward the purchase price.
Closing costs + prepaids$17,587Not just lender fees.
Before credits & paid funds$359,949The complete starting cash picture.
Estimated remaining funds due at closing
$359,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,361.64
Your down payment$342,361.64
Closing costs + prepaids$17,587.11
Total buyer cash needed$359,948.75
Remaining funds due$359,948.75
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%)$8,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,413.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$606.50
Prepaid interest, first (2 days)$99.44
Fees + prepaids$17,587.11
Your down payment is the seller’s equity. You take over the $482,637 balance, so the rest of the $824,999 price is paid at closing. A second mortgage can cover part of it. $359,948.75 is due at closing. Uses and sources reconcile at $842,586.11 each. Not a Closing Disclosure.