Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$324,155Cash toward the purchase price.
Closing costs + prepaids$27,714Not just lender fees.
Before credits & paid funds$351,869The complete starting cash picture.
Estimated remaining funds due at closing
$351,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,155.34
Your down payment$324,155.34
Closing costs + prepaids$27,713.88
Total buyer cash needed$351,869.22
Remaining funds due$351,869.22
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%)$11,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,378.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,999.75
Initial HOA (3 months)$645.00
Prepaid interest, first (23 days)$1,473.41
Fees + prepaids$27,713.88
Your down payment is the seller’s equity. You take over the $875,745 balance, so the rest of the $1,199,900 price is paid at closing. A second mortgage can cover part of it. $351,869.22 is due at closing. Uses and sources reconcile at $1,227,613.88 each. Not a Closing Disclosure.