Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$385,016Cash toward the purchase price.
Closing costs + prepaids$27,910Not just lender fees.
Before credits & paid funds$412,926The complete starting cash picture.
Estimated remaining funds due at closing
$412,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,016.14
Your down payment$385,016.14
Closing costs + prepaids$27,910.07
Total buyer cash needed$412,926.21
Remaining funds due$412,926.21
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%)$12,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,574.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Initial HOA (3 months)$118.74
Prepaid interest, first (26 days)$2,000.93
Fees + prepaids$27,910.07
Your down payment is the seller’s equity. You take over the $914,983 balance, so the rest of the $1,299,999 price is paid at closing. A second mortgage can cover part of it. $412,926.21 is due at closing. Uses and sources reconcile at $1,327,909.07 each. Not a Closing Disclosure.