Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$342,889Cash toward the purchase price.
Closing costs + prepaids$44,643Not just lender fees.
Before credits & paid funds$387,532The complete starting cash picture.
Estimated remaining funds due at closing
$387,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,889.09
Your down payment$342,889.09
Closing costs + prepaids$44,642.93
Total buyer cash needed$387,532.02
Remaining funds due$387,532.02
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%)$17,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,280.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,497.50
Prepaid interest, first (28 days)$8,656.88
Fees + prepaids$44,642.93
Your down payment is the seller’s equity. You take over the $1,456,111 balance, so the rest of the $1,799,000 price is paid at closing. A second mortgage can cover part of it. $387,532.02 is due at closing. Uses and sources reconcile at $1,843,642.93 each. Not a Closing Disclosure.