Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$286,400Cash toward the purchase price.
Closing costs + prepaids$26,042Not just lender fees.
Before credits & paid funds$312,441The complete starting cash picture.
Estimated remaining funds due at closing
$312,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,399.65
Your down payment$286,399.65
Closing costs + prepaids$26,041.78
Total buyer cash needed$312,441.43
Remaining funds due$312,441.43
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%)$10,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,743.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,186.75
Initial HOA (3 months)$11.25
Prepaid interest, first (25 days)$3,532.78
Fees + prepaids$26,041.78
Your down payment is the seller’s equity. You take over the $748,600 balance, so the rest of the $1,035,000 price is paid at closing. A second mortgage can cover part of it. $312,441.43 is due at closing. Uses and sources reconcile at $1,061,041.78 each. Not a Closing Disclosure.