Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$333,512Cash toward the purchase price.
Closing costs + prepaids$23,958Not just lender fees.
Before credits & paid funds$357,470The complete starting cash picture.
Estimated remaining funds due at closing
$357,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,512.27
Your down payment$333,512.27
Closing costs + prepaids$23,957.75
Total buyer cash needed$357,470.02
Remaining funds due$357,470.02
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,957.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$876.50
Initial HOA (3 months)$438.00
Prepaid interest, first (18 days)$1,217.81
Fees + prepaids$23,957.75
Your down payment is the seller’s equity. You take over the $791,488 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $357,470.02 is due at closing. Uses and sources reconcile at $1,148,957.75 each. Not a Closing Disclosure.