Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$335,566Cash toward the purchase price.
Closing costs + prepaids$25,415Not just lender fees.
Before credits & paid funds$360,981The complete starting cash picture.
Estimated remaining funds due at closing
$360,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,566.23
Your down payment$335,566.23
Closing costs + prepaids$25,414.80
Total buyer cash needed$360,981.02
Remaining funds due$360,981.02
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%)$3,947.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$238.75
Initial HOA (3 months)$506.25
Prepaid interest, first (22 days)$3,254.63
Fees + prepaids$25,414.80
Your down payment is the seller’s equity. You take over the $789,434 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $360,981.02 is due at closing. Uses and sources reconcile at $1,150,414.80 each. Not a Closing Disclosure.