Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$313,572Cash toward the purchase price.
Closing costs + prepaids$25,709Not just lender fees.
Before credits & paid funds$339,282The complete starting cash picture.
Estimated remaining funds due at closing
$339,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,572.03
Your down payment$313,572.03
Closing costs + prepaids$25,709.48
Total buyer cash needed$339,281.51
Remaining funds due$339,281.51
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,682.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$850.00
Initial HOA (3 months)$525.00
Prepaid interest, first (30 days)$3,934.34
Fees + prepaids$25,709.48
Your down payment is the seller’s equity. You take over the $736,428 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $339,281.51 is due at closing. Uses and sources reconcile at $1,075,709.48 each. Not a Closing Disclosure.