Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,311,162Cash toward the purchase price.
Closing costs + prepaids$20,687Not just lender fees.
Before credits & paid funds$1,331,850The complete starting cash picture.
Estimated remaining funds due at closing
$1,331,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,311,162.17
Your down payment$1,311,162.17
Closing costs + prepaids$20,687.41
Total buyer cash needed$1,331,849.58
Remaining funds due$1,331,849.58
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$189.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$733.00
Prepaid interest, first (23 days)$57.22
Fees + prepaids$20,687.41
Your down payment is the seller’s equity. You take over the $37,838 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $1,331,849.58 is due at closing. Uses and sources reconcile at $1,369,687.41 each. Not a Closing Disclosure.