Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$350,684Cash toward the purchase price.
Closing costs + prepaids$22,814Not just lender fees.
Before credits & paid funds$373,499The complete starting cash picture.
Estimated remaining funds due at closing
$373,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,684.10
Your down payment$350,684.10
Closing costs + prepaids$22,814.50
Total buyer cash needed$373,498.60
Remaining funds due$373,498.60
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,741.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,318.75
Prepaid interest, first (9 days)$546.17
Fees + prepaids$22,814.50
Your down payment is the seller’s equity. You take over the $748,316 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $373,498.60 is due at closing. Uses and sources reconcile at $1,121,814.50 each. Not a Closing Disclosure.