Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$258,607Cash toward the purchase price.
Closing costs + prepaids$32,763Not just lender fees.
Before credits & paid funds$291,371The complete starting cash picture.
Estimated remaining funds due at closing
$291,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,607.29
Your down payment$258,607.29
Closing costs + prepaids$32,763.34
Total buyer cash needed$291,370.63
Remaining funds due$291,370.63
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%)$5,701.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,497.50
Prepaid interest, first (23 days)$3,355.88
Fees + prepaids$32,763.34
Your down payment is the seller’s equity. You take over the $1,140,393 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $291,370.63 is due at closing. Uses and sources reconcile at $1,431,763.34 each. Not a Closing Disclosure.