Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$365,344Cash toward the purchase price.
Closing costs + prepaids$24,217Not just lender fees.
Before credits & paid funds$389,561The complete starting cash picture.
Estimated remaining funds due at closing
$389,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,344.35
Your down payment$365,344.35
Closing costs + prepaids$24,217.05
Total buyer cash needed$389,561.39
Remaining funds due$389,561.39
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,923.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,250.50
Initial HOA (3 months)$15.00
Prepaid interest, first (23 days)$1,310.27
Fees + prepaids$24,217.05
Your down payment is the seller’s equity. You take over the $784,656 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $389,561.39 is due at closing. Uses and sources reconcile at $1,174,217.05 each. Not a Closing Disclosure.