Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$309,633Cash toward the purchase price.
Closing costs + prepaids$29,822Not just lender fees.
Before credits & paid funds$339,455The complete starting cash picture.
Estimated remaining funds due at closing
$339,455No 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$29,822.44
Total buyer cash needed$339,455.30
Remaining funds due$339,455.30
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 (19 days)$2,977.11
Fees + prepaids$29,822.44
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. $339,455.30 is due at closing. Uses and sources reconcile at $1,428,822.44 each. Not a Closing Disclosure.