Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$375,634Cash toward the purchase price.
Closing costs + prepaids$24,464Not just lender fees.
Before credits & paid funds$400,098The complete starting cash picture.
Estimated remaining funds due at closing
$400,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,634.01
Your down payment$375,634.01
Closing costs + prepaids$24,464.22
Total buyer cash needed$400,098.23
Remaining funds due$400,098.23
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%)$12,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,366.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Prepaid interest, first (1 days)$69.39
Fees + prepaids$24,464.22
Your down payment is the seller’s equity. You take over the $873,366 balance, so the rest of the $1,249,000 price is paid at closing. A second mortgage can cover part of it. $400,098.23 is due at closing. Uses and sources reconcile at $1,273,464.22 each. Not a Closing Disclosure.