Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$372,697Cash toward the purchase price.
Closing costs + prepaids$24,682Not just lender fees.
Before credits & paid funds$397,378The complete starting cash picture.
Estimated remaining funds due at closing
$397,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,696.60
Your down payment$372,696.60
Closing costs + prepaids$24,681.54
Total buyer cash needed$397,378.15
Remaining funds due$397,378.15
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%)$3,636.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$649.75
Initial HOA (3 months)$447.00
Prepaid interest, first (26 days)$2,730.28
Fees + prepaids$24,681.54
Your down payment is the seller’s equity. You take over the $727,303 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $397,378.15 is due at closing. Uses and sources reconcile at $1,124,681.54 each. Not a Closing Disclosure.