Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$333,512Cash toward the purchase price.
Closing costs + prepaids$23,822Not just lender fees.
Before credits & paid funds$357,335The complete starting cash picture.
Estimated remaining funds due at closing
$357,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,512.27
Your down payment$333,512.27
Closing costs + prepaids$23,822.34
Total buyer cash needed$357,334.62
Remaining funds due$357,334.62
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,957.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$608.90
Fees + prepaids$23,822.34
Your down payment is the seller’s equity. You take over the $791,488 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $357,334.62 is due at closing. Uses and sources reconcile at $1,148,822.34 each. Not a Closing Disclosure.