Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$393,179Cash toward the purchase price.
Closing costs + prepaids$24,185Not just lender fees.
Before credits & paid funds$417,365The complete starting cash picture.
Estimated remaining funds due at closing
$417,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,179.26
Your down payment$393,179.26
Closing costs + prepaids$24,185.35
Total buyer cash needed$417,364.61
Remaining funds due$417,364.61
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,659.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$405.00
Prepaid interest, first (10 days)$1,303.24
Fees + prepaids$24,185.35
Your down payment is the seller’s equity. You take over the $731,821 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $417,364.61 is due at closing. Uses and sources reconcile at $1,149,185.35 each. Not a Closing Disclosure.