Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$331,805Cash toward the purchase price.
Closing costs + prepaids$22,816Not just lender fees.
Before credits & paid funds$354,621The complete starting cash picture.
Estimated remaining funds due at closing
$354,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,804.70
Your down payment$331,804.70
Closing costs + prepaids$22,816.28
Total buyer cash needed$354,620.98
Remaining funds due$354,620.98
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%)$3,965.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$876.50
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$67.80
Fees + prepaids$22,816.28
Your down payment is the seller’s equity. You take over the $793,195 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $354,620.98 is due at closing. Uses and sources reconcile at $1,147,816.28 each. Not a Closing Disclosure.