Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$364,969Cash toward the purchase price.
Closing costs + prepaids$22,419Not just lender fees.
Before credits & paid funds$387,388The complete starting cash picture.
Estimated remaining funds due at closing
$387,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,968.85
Your down payment$364,968.85
Closing costs + prepaids$22,419.30
Total buyer cash needed$387,388.16
Remaining funds due$387,388.16
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%)$11,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,750.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,179.50
Prepaid interest, first (2 days)$121.65
Fees + prepaids$22,419.30
Your down payment is the seller’s equity. You take over the $750,031 balance, so the rest of the $1,115,000 price is paid at closing. A second mortgage can cover part of it. $387,388.16 is due at closing. Uses and sources reconcile at $1,137,419.30 each. Not a Closing Disclosure.