Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$319,235Cash toward the purchase price.
Closing costs + prepaids$22,128Not just lender fees.
Before credits & paid funds$341,363The complete starting cash picture.
Estimated remaining funds due at closing
$341,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,235.14
Your down payment$319,235.14
Closing costs + prepaids$22,127.92
Total buyer cash needed$341,363.06
Remaining funds due$341,363.06
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,778.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,261.00
Prepaid interest, first (2 days)$120.09
Fees + prepaids$22,127.92
Your down payment is the seller’s equity. You take over the $755,765 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $341,363.06 is due at closing. Uses and sources reconcile at $1,097,127.92 each. Not a Closing Disclosure.