Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$386,836Cash toward the purchase price.
Closing costs + prepaids$25,035Not just lender fees.
Before credits & paid funds$411,871The complete starting cash picture.
Estimated remaining funds due at closing
$411,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,835.65
Your down payment$386,835.65
Closing costs + prepaids$25,035.12
Total buyer cash needed$411,870.77
Remaining funds due$411,870.77
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,440.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,787.00
Initial HOA (3 months)$423.00
Prepaid interest, first (24 days)$1,416.30
Fees + prepaids$25,035.12
Your down payment is the seller’s equity. You take over the $688,164 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $411,870.77 is due at closing. Uses and sources reconcile at $1,100,035.12 each. Not a Closing Disclosure.