Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$366,622Cash toward the purchase price.
Closing costs + prepaids$24,774Not just lender fees.
Before credits & paid funds$391,396The complete starting cash picture.
Estimated remaining funds due at closing
$391,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,621.80
Your down payment$366,621.80
Closing costs + prepaids$24,774.40
Total buyer cash needed$391,396.20
Remaining funds due$391,396.20
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%)$3,416.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,588.00
Initial HOA (3 months)$315.00
Prepaid interest, first (24 days)$2,736.51
Fees + prepaids$24,774.40
Your down payment is the seller’s equity. You take over the $683,378 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $391,396.20 is due at closing. Uses and sources reconcile at $1,074,774.40 each. Not a Closing Disclosure.