Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$20,380Cash toward the purchase price.
Closing costs + prepaids$36,365Not just lender fees.
Before credits & paid funds$56,745The complete starting cash picture.
Estimated remaining funds due at closing
$56,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,379.62
Your down payment$20,379.62
Closing costs + prepaids$36,365.41
Total buyer cash needed$56,745.03
Remaining funds due$56,745.03
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,393.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,247.50
Initial HOA (3 months)$435.00
Prepaid interest, first (28 days)$7,081.81
Fees + prepaids$36,365.41
Your down payment is the seller’s equity. You take over the $1,278,620 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $56,745.03 is due at closing. Uses and sources reconcile at $1,335,365.41 each. Not a Closing Disclosure.