Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$342,118Cash toward the purchase price.
Closing costs + prepaids$27,071Not just lender fees.
Before credits & paid funds$369,189The complete starting cash picture.
Estimated remaining funds due at closing
$369,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,118.06
Your down payment$342,118.06
Closing costs + prepaids$27,071.43
Total buyer cash needed$369,189.49
Remaining funds due$369,189.49
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,784.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,747.50
Prepaid interest, first (29 days)$3,331.52
Fees + prepaids$27,071.43
Your down payment is the seller’s equity. You take over the $756,882 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $369,189.49 is due at closing. Uses and sources reconcile at $1,126,071.43 each. Not a Closing Disclosure.