Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$342,201Cash toward the purchase price.
Closing costs + prepaids$27,372Not just lender fees.
Before credits & paid funds$369,573The complete starting cash picture.
Estimated remaining funds due at closing
$369,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,201.18
Your down payment$342,201.18
Closing costs + prepaids$27,372.18
Total buyer cash needed$369,573.36
Remaining funds due$369,573.36
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%)$12,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,538.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,242.50
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,797.69
Fees + prepaids$27,372.18
Your down payment is the seller’s equity. You take over the $907,799 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $369,573.36 is due at closing. Uses and sources reconcile at $1,277,372.18 each. Not a Closing Disclosure.