Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$319,330Cash toward the purchase price.
Closing costs + prepaids$25,656Not just lender fees.
Before credits & paid funds$344,986The complete starting cash picture.
Estimated remaining funds due at closing
$344,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,329.86
Your down payment$319,329.86
Closing costs + prepaids$25,655.69
Total buyer cash needed$344,985.55
Remaining funds due$344,985.55
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%)$10,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,893.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,745.00
Initial HOA (3 months)$342.00
Prepaid interest, first (25 days)$1,477.34
Fees + prepaids$25,655.69
Your down payment is the seller’s equity. You take over the $778,670 balance, so the rest of the $1,098,000 price is paid at closing. A second mortgage can cover part of it. $344,985.55 is due at closing. Uses and sources reconcile at $1,123,655.69 each. Not a Closing Disclosure.