Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,101,756Cash toward the purchase price.
Closing costs + prepaids$26,696Not just lender fees.
Before credits & paid funds$1,128,452The complete starting cash picture.
Estimated remaining funds due at closing
$1,128,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,101,755.81
Your down payment$1,101,755.81
Closing costs + prepaids$26,696.44
Total buyer cash needed$1,128,452.25
Remaining funds due$1,128,452.25
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%)$12,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$981.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,245.00
Initial HOA (3 months)$2,241.00
Prepaid interest, first (28 days)$1,031.22
Fees + prepaids$26,696.44
Your down payment is the seller’s equity. You take over the $196,244 balance, so the rest of the $1,298,000 price is paid at closing. A second mortgage can cover part of it. $1,128,452.25 is due at closing. Uses and sources reconcile at $1,324,696.44 each. Not a Closing Disclosure.