Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$322,118Cash toward the purchase price.
Closing costs + prepaids$25,558Not just lender fees.
Before credits & paid funds$347,676The complete starting cash picture.
Estimated remaining funds due at closing
$347,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,118.06
Your down payment$322,118.06
Closing costs + prepaids$25,557.75
Total buyer cash needed$347,675.81
Remaining funds due$347,675.81
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%)$10,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,784.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,697.50
Prepaid interest, first (18 days)$2,067.84
Fees + prepaids$25,557.75
Your down payment is the seller’s equity. You take over the $756,882 balance, so the rest of the $1,079,000 price is paid at closing. A second mortgage can cover part of it. $347,675.81 is due at closing. Uses and sources reconcile at $1,104,557.75 each. Not a Closing Disclosure.