Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$309,633Cash toward the purchase price.
Closing costs + prepaids$30,919Not just lender fees.
Before credits & paid funds$340,552The complete starting cash picture.
Estimated remaining funds due at closing
$340,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,632.86
Your down payment$309,632.86
Closing costs + prepaids$30,919.27
Total buyer cash needed$340,552.13
Remaining funds due$340,552.13
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%)$5,446.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$665.50
Initial HOA (3 months)$525.00
Prepaid interest, first (26 days)$4,073.93
Fees + prepaids$30,919.27
Your down payment is the seller’s equity. You take over the $1,089,367 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $340,552.13 is due at closing. Uses and sources reconcile at $1,429,919.27 each. Not a Closing Disclosure.