Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$363,290Cash toward the purchase price.
Closing costs + prepaids$23,405Not just lender fees.
Before credits & paid funds$386,695The complete starting cash picture.
Estimated remaining funds due at closing
$386,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,289.98
Your down payment$363,289.98
Closing costs + prepaids$23,404.77
Total buyer cash needed$386,694.75
Remaining funds due$386,694.75
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,933.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,380.00
Initial HOA (3 months)$15.00
Prepaid interest, first (6 days)$358.22
Fees + prepaids$23,404.77
Your down payment is the seller’s equity. You take over the $786,710 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $386,694.75 is due at closing. Uses and sources reconcile at $1,173,404.77 each. Not a Closing Disclosure.