Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$347,498Cash toward the purchase price.
Closing costs + prepaids$21,693Not just lender fees.
Before credits & paid funds$369,191The complete starting cash picture.
Estimated remaining funds due at closing
$369,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,497.58
Your down payment$347,497.58
Closing costs + prepaids$21,693.27
Total buyer cash needed$369,190.84
Remaining funds due$369,190.84
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%)$3,762.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$483.50
Prepaid interest, first (2 days)$229.26
Fees + prepaids$21,693.27
Your down payment is the seller’s equity. You take over the $752,502 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $369,190.84 is due at closing. Uses and sources reconcile at $1,121,693.27 each. Not a Closing Disclosure.