Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$270,199Cash toward the purchase price.
Closing costs + prepaids$35,734Not just lender fees.
Before credits & paid funds$305,933The complete starting cash picture.
Estimated remaining funds due at closing
$305,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,198.89
Your down payment$270,198.89
Closing costs + prepaids$35,734.29
Total buyer cash needed$305,933.18
Remaining funds due$305,933.18
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%)$5,644.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,570.50
Initial HOA (3 months)$80.01
Prepaid interest, first (22 days)$3,231.77
Fees + prepaids$35,734.29
Your down payment is the seller’s equity. You take over the $1,128,801 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $305,933.18 is due at closing. Uses and sources reconcile at $1,434,734.29 each. Not a Closing Disclosure.