Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$351,059Cash toward the purchase price.
Closing costs + prepaids$25,081Not just lender fees.
Before credits & paid funds$376,139The complete starting cash picture.
Estimated remaining funds due at closing
$376,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,058.62
Your down payment$351,058.62
Closing costs + prepaids$25,080.59
Total buyer cash needed$376,139.21
Remaining funds due$376,139.21
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%)$3,869.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$159.00
Prepaid interest, first (27 days)$3,583.88
Fees + prepaids$25,080.59
Your down payment is the seller’s equity. You take over the $773,941 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $376,139.21 is due at closing. Uses and sources reconcile at $1,150,080.59 each. Not a Closing Disclosure.