Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$348,570Cash toward the purchase price.
Closing costs + prepaids$24,893Not just lender fees.
Before credits & paid funds$373,463The complete starting cash picture.
Estimated remaining funds due at closing
$373,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,570.42
Your down payment$348,570.42
Closing costs + prepaids$24,892.58
Total buyer cash needed$373,463.00
Remaining funds due$373,463.00
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,757.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$483.50
Prepaid interest, first (30 days)$3,433.93
Fees + prepaids$24,892.58
Your down payment is the seller’s equity. You take over the $751,430 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $373,463.00 is due at closing. Uses and sources reconcile at $1,124,892.58 each. Not a Closing Disclosure.