Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$345,737Cash toward the purchase price.
Closing costs + prepaids$23,883Not just lender fees.
Before credits & paid funds$369,620The complete starting cash picture.
Estimated remaining funds due at closing
$369,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,736.84
Your down payment$345,736.84
Closing costs + prepaids$23,882.82
Total buyer cash needed$369,619.66
Remaining funds due$369,619.66
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%)$11,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,020.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$319.00
Prepaid interest, first (28 days)$1,826.00
Fees + prepaids$23,882.82
Your down payment is the seller’s equity. You take over the $804,163 balance, so the rest of the $1,149,900 price is paid at closing. A second mortgage can cover part of it. $369,619.66 is due at closing. Uses and sources reconcile at $1,173,782.82 each. Not a Closing Disclosure.