Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$304,589Cash toward the purchase price.
Closing costs + prepaids$41,684Not just lender fees.
Before credits & paid funds$346,273The complete starting cash picture.
Estimated remaining funds due at closing
$346,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,589.49
Your down payment$304,589.49
Closing costs + prepaids$41,683.70
Total buyer cash needed$346,273.20
Remaining funds due$346,273.20
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%)$17,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,452.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,914.75
Initial HOA (3 months)$420.00
Prepaid interest, first (28 days)$7,728.90
Fees + prepaids$41,683.70
Your down payment is the seller’s equity. You take over the $1,490,411 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $346,273.20 is due at closing. Uses and sources reconcile at $1,836,683.70 each. Not a Closing Disclosure.