Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$349,008Cash toward the purchase price.
Closing costs + prepaids$30,135Not just lender fees.
Before credits & paid funds$379,144The complete starting cash picture.
Estimated remaining funds due at closing
$379,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,008.12
Your down payment$349,008.12
Closing costs + prepaids$30,135.48
Total buyer cash needed$379,143.60
Remaining funds due$379,143.60
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%)$12,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,719.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,208.50
Prepaid interest, first (31 days)$5,059.02
Fees + prepaids$30,135.48
Your down payment is the seller’s equity. You take over the $943,992 balance, so the rest of the $1,293,000 price is paid at closing. A second mortgage can cover part of it. $379,143.60 is due at closing. Uses and sources reconcile at $1,323,135.48 each. Not a Closing Disclosure.