Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$346,428Cash toward the purchase price.
Closing costs + prepaids$26,411Not just lender fees.
Before credits & paid funds$372,839The complete starting cash picture.
Estimated remaining funds due at closing
$372,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,427.94
Your down payment$346,427.94
Closing costs + prepaids$26,411.05
Total buyer cash needed$372,838.98
Remaining funds due$372,838.98
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%)$11,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,137.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$619.00
Prepaid interest, first (26 days)$3,696.19
Fees + prepaids$26,411.05
Your down payment is the seller’s equity. You take over the $827,572 balance, so the rest of the $1,174,000 price is paid at closing. A second mortgage can cover part of it. $372,838.98 is due at closing. Uses and sources reconcile at $1,200,411.05 each. Not a Closing Disclosure.