Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$304,303Cash toward the purchase price.
Closing costs + prepaids$30,716Not just lender fees.
Before credits & paid funds$335,019The complete starting cash picture.
Estimated remaining funds due at closing
$335,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,302.58
Your down payment$304,302.58
Closing costs + prepaids$30,716.15
Total buyer cash needed$335,018.73
Remaining funds due$335,018.73
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,973.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,601.75
Initial HOA (3 months)$87.51
Prepaid interest, first (28 days)$4,845.40
Fees + prepaids$30,716.15
Your down payment is the seller’s equity. You take over the $994,697 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $335,018.73 is due at closing. Uses and sources reconcile at $1,329,716.15 each. Not a Closing Disclosure.