Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$380,992Cash toward the purchase price.
Closing costs + prepaids$23,413Not just lender fees.
Before credits & paid funds$404,405The complete starting cash picture.
Estimated remaining funds due at closing
$404,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,991.54
Your down payment$380,991.54
Closing costs + prepaids$23,413.14
Total buyer cash needed$404,404.68
Remaining funds due$404,404.68
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%)$3,595.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,152.75
Initial HOA (3 months)$162.00
Prepaid interest, first (29 days)$1,285.35
Fees + prepaids$23,413.14
Your down payment is the seller’s equity. You take over the $719,008 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $404,404.68 is due at closing. Uses and sources reconcile at $1,123,413.14 each. Not a Closing Disclosure.