Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$333,512Cash toward the purchase price.
Closing costs + prepaids$24,837Not just lender fees.
Before credits & paid funds$358,350The complete starting cash picture.
Estimated remaining funds due at closing
$358,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,512.27
Your down payment$333,512.27
Closing costs + prepaids$24,837.27
Total buyer cash needed$358,349.55
Remaining funds due$358,349.55
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,957.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$876.50
Initial HOA (3 months)$438.00
Prepaid interest, first (31 days)$2,097.33
Fees + prepaids$24,837.27
Your down payment is the seller’s equity. You take over the $791,488 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $358,349.55 is due at closing. Uses and sources reconcile at $1,149,837.27 each. Not a Closing Disclosure.