Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$347,875Cash toward the purchase price.
Closing costs + prepaids$25,409Not just lender fees.
Before credits & paid funds$373,284The complete starting cash picture.
Estimated remaining funds due at closing
$373,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,874.60
Your down payment$347,874.60
Closing costs + prepaids$25,408.91
Total buyer cash needed$373,283.51
Remaining funds due$373,283.51
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%)$4,725.63
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 (2 days)$326.78
Fees + prepaids$25,408.91
Your down payment is the seller’s equity. You take over the $945,125 balance, so the rest of the $1,293,000 price is paid at closing. A second mortgage can cover part of it. $373,283.51 is due at closing. Uses and sources reconcile at $1,318,408.91 each. Not a Closing Disclosure.