Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$363,290Cash toward the purchase price.
Closing costs + prepaids$23,763Not just lender fees.
Before credits & paid funds$387,053The complete starting cash picture.
Estimated remaining funds due at closing
$387,053No 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$23,763.00
Total buyer cash needed$387,052.98
Remaining funds due$387,052.98
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 (12 days)$716.44
Fees + prepaids$23,763.00
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. $387,052.98 is due at closing. Uses and sources reconcile at $1,173,763.00 each. Not a Closing Disclosure.