Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$380,992Cash toward the purchase price.
Closing costs + prepaids$22,926Not just lender fees.
Before credits & paid funds$403,917The complete starting cash picture.
Estimated remaining funds due at closing
$403,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,991.54
Your down payment$380,991.54
Closing costs + prepaids$22,925.60
Total buyer cash needed$403,917.14
Remaining funds due$403,917.14
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%)$3,595.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,152.75
Initial HOA (3 months)$162.00
Prepaid interest, first (18 days)$797.80
Fees + prepaids$22,925.60
Your down payment is the seller’s equity. You take over the $719,008 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $403,917.14 is due at closing. Uses and sources reconcile at $1,122,925.60 each. Not a Closing Disclosure.