Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,065,884Cash toward the purchase price.
Closing costs + prepaids$23,212Not just lender fees.
Before credits & paid funds$1,089,096The complete starting cash picture.
Estimated remaining funds due at closing
$1,089,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,065,884.04
Your down payment$1,065,884.04
Closing costs + prepaids$23,211.61
Total buyer cash needed$1,089,095.65
Remaining funds due$1,089,095.65
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%)$13,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,665.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$671.25
Prepaid interest, first (26 days)$666.78
Fees + prepaids$23,211.61
Your down payment is the seller’s equity. You take over the $333,116 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $1,089,095.65 is due at closing. Uses and sources reconcile at $1,422,211.61 each. Not a Closing Disclosure.