Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$330,994Cash toward the purchase price.
Closing costs + prepaids$25,253Not just lender fees.
Before credits & paid funds$356,246The complete starting cash picture.
Estimated remaining funds due at closing
$356,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,993.66
Your down payment$330,993.66
Closing costs + prepaids$25,252.80
Total buyer cash needed$356,246.46
Remaining funds due$356,246.46
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,840.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,388.00
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$1,696.77
Fees + prepaids$25,252.80
Your down payment is the seller’s equity. You take over the $768,006 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $356,246.46 is due at closing. Uses and sources reconcile at $1,124,252.80 each. Not a Closing Disclosure.