Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$337,092Cash toward the purchase price.
Closing costs + prepaids$25,166Not just lender fees.
Before credits & paid funds$362,258The complete starting cash picture.
Estimated remaining funds due at closing
$362,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,092.28
Your down payment$337,092.28
Closing costs + prepaids$25,166.16
Total buyer cash needed$362,258.43
Remaining funds due$362,258.43
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,814.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$496.25
Initial HOA (3 months)$105.00
Prepaid interest, first (25 days)$3,532.37
Fees + prepaids$25,166.16
Your down payment is the seller’s equity. You take over the $762,908 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $362,258.43 is due at closing. Uses and sources reconcile at $1,125,166.16 each. Not a Closing Disclosure.