Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$371,577Cash toward the purchase price.
Closing costs + prepaids$22,062Not just lender fees.
Before credits & paid funds$393,639The complete starting cash picture.
Estimated remaining funds due at closing
$393,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,576.57
Your down payment$371,576.57
Closing costs + prepaids$22,062.04
Total buyer cash needed$393,638.61
Remaining funds due$393,638.61
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%)$3,642.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$649.75
Initial HOA (3 months)$447.00
Prepaid interest, first (1 days)$105.17
Fees + prepaids$22,062.04
Your down payment is the seller’s equity. You take over the $728,423 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $393,638.61 is due at closing. Uses and sources reconcile at $1,122,062.04 each. Not a Closing Disclosure.