Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$350,268Cash toward the purchase price.
Closing costs + prepaids$21,766Not just lender fees.
Before credits & paid funds$372,035The complete starting cash picture.
Estimated remaining funds due at closing
$372,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,268.43
Your down payment$350,268.43
Closing costs + prepaids$21,766.40
Total buyer cash needed$372,034.83
Remaining funds due$372,034.83
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,873.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$159.00
Prepaid interest, first (2 days)$265.74
Fees + prepaids$21,766.40
Your down payment is the seller’s equity. You take over the $774,732 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $372,034.83 is due at closing. Uses and sources reconcile at $1,146,766.40 each. Not a Closing Disclosure.