Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$307,825Cash toward the purchase price.
Closing costs + prepaids$29,768Not just lender fees.
Before credits & paid funds$337,593The complete starting cash picture.
Estimated remaining funds due at closing
$337,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,824.55
Your down payment$307,824.55
Closing costs + prepaids$29,768.16
Total buyer cash needed$337,592.71
Remaining funds due$337,592.71
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,710.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,625.00
Initial HOA (3 months)$3,003.00
Prepaid interest, first (27 days)$3,711.28
Fees + prepaids$29,768.16
Your down payment is the seller’s equity. You take over the $742,175 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $337,592.71 is due at closing. Uses and sources reconcile at $1,079,768.16 each. Not a Closing Disclosure.